3 Tax Planning Strategies Most Retirement Investors Overlook
Stay Wealthy Retirement Podcast
Taylor Schulte, CFP®
4.7 • 678 Ratings
🗓️ 11 December 2025
⏱️ 29 minutes
🧾️ Download transcript
Summary
💥 Download the freshly updated 2026 Tax Planning Cheat Sheet (PDF): www.youstaywealthy.com/cheatsheet
***
Most year-end tax advice is generic... max out your 401(k), bunch your deductions, donate to charity.
But for diligent retirement savers with healthy nest eggs, the real opportunities are more nuanced.
In this episode, I break down three tax strategies that can help you avoid overpaying the IRS and reduce your lifetime tax bill.
You'll learn how to evaluate whether each move makes sense for your situation, so you're making informed decisions rather than chasing aimless deductions.
If you're nearing retirement or already there, this episode will help you close out the year with a clearer tax picture and a smarter plan for the years ahead.
***
📆 SCHEDULE A (FREE) RETIREMENT STRATEGY MEETING:
For nearly two decades, we've have helped hundreds of families across the U.S. plan smarter retirements—from tax strategies and investments to income and legacy planning.
The result?
Less stress. Lower taxes. More confidence about the future.
If you're looking for clarity and a proven, personalized process, we'd be honored to have a conversation.
👉 Click Here to Schedule a Call
***
EPISODE RESOURCES:
→ Download the 2026 Tax Cheat Sheet
→ Join the Stay Wealthy Retirement Newsletter
Transcript
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| 0:00.0 | As we approach the end of the year, many retirement savers use this window to review their tax |
| 0:04.5 | situation. It's a natural time to look for smart, practical moves that might help you avoid |
| 0:09.4 | leaving the IRS a tip and lower your lifetime tax bill. Beyond any last minute tactics, |
| 0:14.9 | year end is also a useful checkpoint to revisit how taxes fit into your broader retirement strategy, confirming what's |
| 0:23.0 | working, what needs updating, and where potential pitfalls might be hiding. So in today's |
| 0:28.1 | episode, I'm sharing three often overlooked tax planning strategies worth having on your radar as we |
| 0:33.5 | close out the year. I'll also highlight a few common traps that catch retirees off guard |
| 0:38.2 | so you can avoid surprises and decide what, if anything, make sense for your situation. |
| 0:44.9 | But really quick, two important announcements before we dive in. First, for the financial advisors |
| 0:50.2 | tuning in or for listeners who might know an advisor in their life looking to make a career change, |
| 0:55.5 | I'm excited to share that my firm is currently searching for a rock star financial planner to join our team. |
| 1:01.4 | This role is ideal for a CFP professional who has spent the last few years in an associate planner position |
| 1:07.5 | and is craving for more challenge, more collaboration, and a clear career |
| 1:12.5 | path inside a true team environment. If you or someone you know has a strong interest in tax |
| 1:18.4 | and retirement planning and is looking for a new home, we would love to chat. You can learn more |
| 1:23.1 | about the opportunity by following the link in the episode description or by visiting |
| 1:27.1 | definedfinancial.com, board slash careers. Second, I'm excited to share that my freshly |
| 1:33.2 | updated two-page tax cheat sheet for 2026 is now available. And it pairs perfectly with today's |
| 1:40.3 | episode because it gives you all the key tax numbers and thresholds that you'll want |
| 1:44.6 | handy as you evaluate which strategies or potential pitfalls apply to your situation. |
| 1:50.3 | One listener recently told me that he does a ton of annual planning around taxes, Medicare, |
| 1:55.2 | and other retirement topics. And this cheat sheet is the only resource that he keeps on his |
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