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The Pensioner's Paradox

Phil Gaudiano, CPA

More money doesn't buy more security in retirement. Exploring the psychology and tax strategy that actually does.

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Latest Issues

Can I Touch It Yet?

Note: This piece originally appeared on phil.cpa.


Robert turned his laptop around so I could see the conversion form from his custodian. “Before I sign this, I want to know one thing,” he said. “Once the money is in the Roth, can I...

4 days ago
1

I Thought the Senior Deduction Would Cover It

Note: This piece was priginally published on phil.CPA.


By mid-March, at least a dozen clients told me the same thing: “I thought the senior deduction would cover it.” They meant the Roth conversion they did in November, the bigger...

14 days ago
4
1

Did We Wait Too Long?

Note: This essay first appeared on phil.cpa.


Richard slid a printout of my Roth window piece across the table before Joan had even sat down.

“We read this,” he said. “We’re 75 and 73. The window closed years ago, didn’t it?”

It’s...

a month ago
10
2

What Nobody Tells You About IRMAA Until the Letter Arrives

This post was originally published on phil.cpa.

I haven’t published in a few weeks, and if you’ve been reading for a while, you probably noticed. The reason is simple: this month was packed with extended tax returns, and when you run a CPA...

2 months ago
18
5

I Didn't Know Losing Him Would Cost This Much

This piece first ran at phil.cpa. The Pensioner’s Paradox now publishes there — subscribe at phil.cpa/newsletter to get new essays a few days before they land here.


Diane came to see me last winter, about fourteen months after Walte...

2 months ago
10

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  • Phil Gaudiano, CPA

    I'm a CPA who writes about retirement, taxes, and the psychology of having a secure retirement.

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