After you retire, you might find your net worth continuing to grow, but your ‘taxable income’ drops significantly. That can create major tax planning opportunities. Hence, ‘High net worth, poor on paper.’
I’ll explain how that period of time can open the door to smarter planning around ACA subsidies, Roth conversions, Social Security taxation, and 0% capital gains harvesting.
Remember, these strategies should not be looked at in a silo. A move that helps in one area can easily impact another if it isn’t coordinated with your full retirement plan.
What you’ll learn in this episode:
- What “high net worth, poor on paper” actually means
- Why low-income years in retirement can be powerful planning years
- How ACA premium tax credits work for early retirees
- The tradeoff between ACA subsidies and Roth conversions
- How the Roth conversion window can reduce future RMD problems
- How Social Security taxation can potentially be reduced with proper timing
- When 0% capital gains harvesting may make sense
- Why these strategies must be coordinated, not implemented one by one
- Why retirement tax planning is about timing taxes wisely, not just avoiding them
Resources / related episodes:
ACA Tax Credits: The Cliff is Back in 2026:
$3m Net Worth, Free Healthcare(case study):
Aggressive Conversions to makeSocial Security Tax Free:
Thank you for listening!
-Kevin
Are you interested in working with me 1 on 1?
You can start with our Retirement Readiness Questionnaire linked on our website so we can learn more about how we can help in your journey to and through retirement.
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This is for general education purposes only and should not be considered as tax, legal, or investment advice.
