Year-End Planning: Estimated Tax Payments
Retirement Answer Man
Roger Whitney, CFP®, CIMA®, RMA, CPWA®
4.6 • 1.2K Ratings
🗓️ 31 December 2025
⏱️ 38 minutes
🧾️ Download transcript
Summary
As the year comes to a close, Roger Whitney reflects on the power of words, walks through an important year-end tax planning reminder for retirees, shares listener stories and perspectives, and invites listeners to choose a guiding word for 2026 as a way to approach retirement with greater intention and clarity.
OUTLINE OF THIS EPISODE OF THE RETIREMENT ANSWER MAN
- (00:00) This show is dedicated to helping you not just survive retirement, but have the confidence and clarity to lean in and rock it.
- (00:45) Roger reflects on slowing down, reclaiming meaning in familiar words, and recommitting to clearing the battlefield as we head into a new year.
RETIREMENT TOOLKIT
- (03:22) Roger explains why estimated quarterly tax payments matter in retirement and how they can help prevent unwelcome tax surprises.
- (05:44) He outlines safe harbor rules and practical best practices for withholding taxes from Social Security, IRA distributions, and pensions.
RETIREMENT LIFE LAB
- (13:33) Roger shares listener responses about corporate words and phrases people are eager to retire when they leave the workforce.
ROCKING RETIREMENT IN THE WILD
- (19:33) Mick and Patty share reflections on fitness, travel, and meaning in retirement, including experiences shaped by history and family.
FOCUSING FORWARD: A WORD FOR 2026
- (21:10) Roger discusses the practice of choosing a single word to define the coming year and reads listener-submitted words for 2026.
- (28:40) Roger reveals his own word for 2026.
SMART SPRINT
- (34:07) Roger encourages listeners to reflect on the season they are entering and consider choosing a word to help guide decisions in 2026.
CLOSING THOUGHTS
- (34:55) Roger responds to listener feedback on charitable giving and enjoying retirement, emphasizing balance, generosity, and intentional living as the year ends.
REFERENCES
Transcript
Click on a timestamp to play from that location
| 0:00.0 | For last year's words belong to last year's language, and next year's words await another voice. |
| 0:09.1 | T.S. Eliot. |
| 0:12.9 | Welcome to the show dedicated to helping you not just survive retirement, |
| 0:22.2 | but to have confidence and clarity |
| 0:24.8 | so you can lean in and rock it to make it a great retirement. |
| 0:33.9 | I wanted to say that a little bit slower than I normally do because I want to make sure the words |
| 0:41.5 | are heard. We can, you know, we have these words that we say over and over and over again. |
| 0:48.9 | And it's easy to lose the meaning of them. I want to make sure that you clear the battlefield and focused on the most |
| 0:57.0 | important things so you can be comfortable and confident in your decision making so you can |
| 1:03.3 | have this great retirement. It is so easy to get confused and we're going to be rededicating |
| 1:09.1 | ourselves to clearing the battlefield to help you focus on the right things |
| 1:14.6 | and not worry so much about all the stuff that we hear for 2006. |
| 1:19.0 | Today on the show, in our retirement toolkit, we're going to talk about estimated tax payment coming up in January, |
| 1:25.2 | which we make it in January 15th, but it's actually for Q4, 2025. |
| 1:30.0 | We'll give you some basics there. |
| 1:32.2 | Then, since it's the last week of the year, we're going to have some fun with words that need |
| 1:38.1 | to be retired when you retire. |
| 1:39.8 | I got a lot of emails on this. |
| 1:42.0 | I'm going to share some of your thoughts on words you hope to never |
| 1:45.9 | hear or use again. And then lastly, we're going to talk about words for 2026. I'm going to share |
| 1:55.6 | my word for 2026 and a few of you emailed in sharing yours. These are words that are awaiting our new voice for |
| 2:05.9 | 2006. So I'm excited about that. And if we have time, we'll get to a few of your questions. Now, |
... |
Please login to see the full transcript.
Disclaimer: The podcast and artwork embedded on this page are from Roger Whitney, CFP®, CIMA®, RMA, CPWA®, and are the property of its owner and not affiliated with or endorsed by Tapesearch.
Generated transcripts are the property of Roger Whitney, CFP®, CIMA®, RMA, CPWA® and are distributed freely under the Fair Use doctrine. Transcripts generated by Tapesearch are not guaranteed to be accurate.
Copyright © Tapesearch 2026.