Tag: Charitable Giving
Tax-Focused Estate Planning Before Retirement (Ep. 33)

Tax-Focused Estate Planning Before Retirement (Ep. 33)

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Estate planning is often treated as a task to complete later, but many of the biggest financial decisions begin long before legal documents are signed.

How can tax planning, retirement income planning, and investment decisions work together to support your long-term goals while potentially improving how assets are transferred?

In this episode, Dan Reese explains why estate planning is much more than wills and legal paperwork. He shares how investment planning, retirement income planning, and tax planning all influence one another through what he calls the three lanes of the financial highway. Dan also explores how Roth conversions, beneficiary designations, charitable giving, and account positioning can affect taxes during retirement and for future generations. 

Throughout the conversation, he emphasizes creating a coordinated strategy while there may still be more planning flexibility.

Key takeaways:

  • How investment, retirement income, and tax planning work together instead of as separate decisions
  • Why estate planning begins with strategy before legal documents are created and updated
  • How Roth conversions may influence taxes paid by both retirees and future beneficiaries
  • Why beneficiary designations and asset location can change long term tax outcomes
  • How coordinated planning may uncover opportunities across multiple financial decisions
  • And more!

Resources:

Connect with Dan Reese CFP®:

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One Big Beautiful Bill: Tax Changes Every Retiree Needs to Know with Brent Oliver (Ep. 15)

One Big Beautiful Bill: Tax Changes Every Retiree Needs to Know with Brent Oliver (Ep. 15)

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Retirement planning doesn’t exist in a vacuum, especially when tax laws are shifting. 

Dan Reese and guest Brent Oliver, Senior Wealth Advisor at Avery Wealth, break down the latest tax legislation and what it means for your future income, charitable giving, and estate plans.

From the extension of lower tax brackets to the expanded standard deduction and SALT cap increase, Dan and Brent cut through the noise to highlight some impactful changes for retirees and pre-retirees. They also explain how to leverage tax-smart strategies, like qualified charitable distributions, to help make the most of your retirement income.

What you’ll learn in this episode:

  • How new tax brackets and deductions affect your retirement strategy
  • The truth about the “senior boost” for deductions
  • Charitable giving incentives and QCD benefits
  • Estate tax updates and planning opportunities
  • And more!

Resources:

Connect with Dan Reese CFP®:

Connect with Brent Oliver: 

About our Guest: 

Brent Oliver is a Senior Wealth Advisor based in Jackson, Michigan, with 11 years of experience in the field. As a CERTIFIED FINANCIAL PLANNER™ professional and Senior Wealth Advisor, Brent helps families identify and work towards achieving their financial goals. His comprehensive approach to wealth management helps families identify where they are today, where they want to be, and what gaps might prevent them from achieving all that is important to them. He has the heart of a teacher and works with clients to ensure they understand why strategies are being employed and how they can help families reach their goals.

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