Скачать или смотреть The 3 Biggest Tax Mistakes to Avoid When Retiring Before 60

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Retiring before 65 comes with unique tax challenges that can cost you tens of thousands of dollars if not handled correctly. After helping clients navigate early retirement for nearly 30 years, Ty Bernicke breaks down the three most costly mistakes he consistently sees—and more importantly, how to avoid them.

From Affordable Care Act insurance planning to strategic withdrawal sequencing and asset location optimization, these errors can dramatically impact your retirement income. In one example, Ty demonstrates how improper asset location alone can result in over $400,000 more sitting in taxable accounts versus tax-free accounts over just ten years.

If you're planning to retire before Medicare kicks in at 65, understanding these three mistakes could be the difference between paying minimal taxes and losing a significant portion of your nest egg to unnecessary tax burdens.

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🕘 Chapters
0:00 - The 3 biggest tax mistakes
0:33 - Mistake #1: ACA insurance strategy
1:42 - Understanding the three tax buckets
6:19 - Mistake #2: Distribution strategy
7:21 - Tax brackets and avoiding big jumps
10:17 - IRMAA and Medicare costs
11:47 - Required minimum distributions
12:27 - Mistake #3: Asset location optimization
15:53 - Recap and next steps

➡️ About Ty Bernicke, CFP®, President & CEO
Ty Bernicke is the President and CEO of Bernicke Wealth Management. His research on investment management, retirement planning, and tax minimization strategies has been published or recognized by The Wall Street Journal, The Chicago Tribune, Futures Magazine, and many other well-known national news organizations.

Ty has been recognized as a Best-in-State Wealth Advisor in the state of Wisconsin by Forbes for seven consecutive years. Ty is also a current member of the Forbes Finance Council. This council is an invitation-only organization comprised of senior-level executives in the financial services industry who provide written content on financial topics for Forbes.
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