Tax strategy is the most overlooked aspect of financial planning in my opinion.

Now, this is something that I'm really excited to talk about because one of my early experiences in the financial services was all about tax strategy, specifically municipal bonds.

For those of you who do not know my full story, I started at a company where I was talking about how do you create tax-free income?

And I thought, why don't more people talk about this when people retire early and they have the ability to massage their income?

Because generally, people that retire early have a variety of accounts.

It's not just a 401K, although that's the case sometimes.

But traditionally, there's a brokerage account.

There's a 401k.

There's cash. Maybe there's inheritance or real account, there's a 401k, there's cash,

maybe there's inheritance or real estate, and you want to understand how do we move all these

pieces to optimize our tax perspective.

Now, transparently, and this might sound bad, but it's just the truth, your CPA might be

the nicest person in the world, but their job is to try to do as good as they possibly

can to save you in taxes this year so you pay them again next year. And there's nothing wrong

with that. I pay a CPA to do that today for myself. But their job is generally, once again,

looking for that year so that you pay them again next year, they are not

always, and I say that with the disclaimer, because some CPAs are awesome who do this, but they're

not always looking at how do we minimize your lifetime tax liability.

And that is what I'm consistently thinking about for my clients.

I don't want to save someone $100 in a given year if I could save them $500 over

three years. Simple example. But I'm going to be walking you through today the main tax

strategies that I would consider at least looking at if you're interested in retiring early

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