Episodes
If you have a specific subject on your mind, you can use our complete episode index, organized by topic, to find the conversation you're looking for.
Getting To Age 59 1/2 for High-Net-Worth Retirees: Utilizing SEPP (72t)and The Rule of 55 for Pre-Tax Accounts
Episode 27 of Retirement Tax Matters analyzes technical strategies for high-net-worth retirees to access pre-tax retirement funds before age 59 1/2 without incurring the 10% IRS penalty. Learn how to navigate the rigidity of SEPP (72t) and the Rule of 55.
The 3.8% Net Investment Income Tax: The Inflation Trap for Retirees
Episode 15 of Retirement Tax Matters demystifies the 3.8% Net Investment Income Tax (NIIT), a surtax that is increasingly trapping high-net-worth retirees due to income thresholds ($200,000 for singles, $250,000 for married couples) that have not been adjusted for inflation since 2013. We explain the specific “Lesser of" calculation used by the IRS, illustrating how this tax applies to your dividends, interest, and capital gains once your Modified Adjusted Gross Income (MAGI) exceeds those fixed limits.