Is a Vacation Home a Smart Retirement Strategy? – 2.19.26
From Baltimore Washington Financial Advisors Podcasts by BWFA
February 19, 2026 · 21 min
About this episode
Tessa Hall discusses with Larry Post the implications of moving into a vacation home during retirement and the potential tax consequences of selling it later.
IS A VACATION HOME A SMART RETIREMENT STRATEGY FROM BALTIMORE WASHINGTON FINANCIAL ADVISORS Lawrence M. Post CPA, MST, CFP®, CIMA® Senior Tax & Planning Advisor Tessa Hall Media and Communications Specialist About This Episode Tessa speaks with BWFA Senior Tax & Planning Advisor Larry Post about what happens when you move into your vacation home and later sell it. While many retirees assume they qualify for the full capital gains exclusion, the tax rules are more complex than most people realize. Learn more about how BWFA approaches property decisions through our Tax Planning page. Read Full Description Buying a vacation home with plans to move into it later is a common retirement strategy. Many homeowners assume that once they live in the property for two out of five years, they qualify for the full capital gains exclusion when they sell. However, tax law does not always work that way. In this episode of Healthy, Wealthy & Wise, Tessa speaks with BWFA Senior Tax & Planning Advisor Larry Post about how the rules changed in 2008 and why converting a vacation home into a primary residence can create unexpected tax consequences. The key issue involves how the IRS…
People in this episode
Hosts: Tessa Hall, Tessa
Guest: Larry Post
Topics covered
- vacation home
- retirement strategy
- tax implications
Keywords
- retirement planning
- real estate
- financial advice
Mentioned in this episode
Books & works: Healthy, Wealthy & Wise
Places: BALTIMORE, WASHINGTON
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