Discover the tips and strategies that will help you achieve your retirement goals.

I'm your host, James Canole, and this is the podcast dedicated to helping you retire well.

It all starts right here on Ready for Retirement. for retirement.

Hi, everyone, and welcome back to another episode of Ready for Retirement.

I'm your host, James Cannell.

And on today's episode, we're going to compare and contrast the effectiveness of two different tax strategies, particularly how do you understand

which might be best for you in different situations? So this is based upon a question from a listener.

This listener's name is Casey. Casey, thank you for submitting the question. Casey says,

Hi, James, your show is outstanding and I look forward to listening every week. I was wondering

if you

could discuss and compare the relative benefits of Roth conversions versus tax gain harvesting,

particularly during early retirement when someone's marginal tax bracket is low. I know both can be

beneficial, but how does a person determine which is more so? Thanks very much. Casey, thank you very

much for that question and thank you for that kind

feedback. It's very helpful. So essentially what Casey's asking is as you retire, when you retire in

many cases, you have a lower taxable income or your marginal tax bracket is lower than it likely

was in your working years. So when it's at that point, how do you understand what different tax

strategies might be best? And that's what we're going to talk about on today's episode. Now,

before we do, quickly wanted to highlight a review of the week. This review comes from username

HCBMW. And user HCBMW says, five-star review, best I've run across so far.

James does an excellent job in providing insight into all aspects of financial planning for

retirement.

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