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Financial Symmetry: Balancing Today with Retirement

When considering retirement, do you wonder what financial opportunities you may be missing? Busy lives take over and years pass without taking advantage. In this retirement podcast, the Financial Symmetry advisors unveil financial opportunities, to help you balance enjoying today so you are ready to retire later. By day, they are fiduciary fee-only financial advisors who answer questions about tax savings, investment decisions, and how to save more. If you’ve been putting off your financial to-do list or are just not sure what you’ve been missing, subscribe to the show and learn more at www.financialsymmetry.com. Financial Symmetry is a Raleigh Financial Advisor. Proudly serving clients in the Triangle of North Carolina for over 20 years.
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Now displaying: Page 1
Nov 26, 2024

Early retirement has unique financial planning challenges, particularly regarding health insurance and tax strategies. For people who retire before age 65, the challenge of finding affordable and adequate health insurance adds another layer of complexity to their financial plans. 

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Outline of This Episode

  • [04:32] Considering Roth conversion for potential tax benefits
  • [09:07] Rules around qualifying for ACA in 2025
  • [12:36] Early retirement may offer a low-tax window for Roth conversions, potentially reducing the lifetime tax burden
  • [15:49] Consider long-term planning, not just immediate tax impacts, for decisions like Roth conversions
  • [18:44] Roth conversions are typically completed at year's end to account for unexpected income changes affecting ACA MAGI estimates.
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