3 Tax Strategies That Could Save You $50,000 in Retirement

Описание: Retirement tax strategies most people ignore — Roth conversions, withdrawal sequencing, and HSA optimization explained for pre-retirees.

If you have $500,000 or more saved for retirement, there's a good chance your tax strategy — or lack of one — is quietly costing you more than you realize. Most pre-retirees focus almost entirely on saving more. But how you withdraw, convert, and position your money in the 5-15 years before retirement can have just as big an impact as the balance itself.

In this video, I walk through three specific tax strategies I use with pre-retirement clients — and explain why the window to implement them tends to close faster than most people expect.

Here's what I cover:
→ Roth conversion ladders: when they make sense and when they don't
→ Strategic withdrawal sequencing: which accounts to tap first (and why order matters more than most people realize)
→ HSA optimization: why this is one of the most underused retirement accounts available
→ Why having a CPA isn't the same as having a retirement tax strategy
→ Who benefits most from proactive tax planning before retirement

The $50,000 figure isn't hypothetical — it reflects the realistic range of tax savings available to a household earning $150k-$300k with $500k+ in retirement accounts who implements these strategies in the right window.

This is educational content — not personalized financial or tax advice. For guidance specific to your situation, consult a qualified financial or tax professional.

⏱️ CHAPTERS:

0:00 — The $50k Tax Opportunity Most Pre-Retirees Miss
0:52 — Why This Matters Even If You Have a CPA
2:12 — Three Strategies Overview
2:32 — Strategy 1: Roth Conversion Ladder
4:14 — Strategy 2: Strategic Withdrawal Sequencing
5:53 — Strategy 3: HSA as a Stealth Retirement Account
7:56 — Why Advisor + CPA Coordination Matters
8:20 — Who Actually Benefits Most From Tax Planning
9:38 — What to Watch Next

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→ Pre-Retirement Readiness Checklist: https://radiantvest.com/checklist
→ Retirement Calculator: https://radiantvest.com/calculator

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⚠️ DISCLAIMER: This video is for educational purposes only and does not constitute personalized financial or tax advice. Consult a qualified financial or tax professional for advice specific to your situation.
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