Retirement Decisions Aren’t All Black & White
From Phil's Tax Hacks by Phil Putney
February 19, 2026 · 20 min · Episode 315
About this episode
Phil Putney discusses the complexities of retirement planning and the importance of thoughtful coordination across various financial areas.
Book an appointment with Phil to get your customized planning process started ➟ https://www.afswealthmgt.com/schedule-appointment Financial media loves simple answers: always do this or never do that. But real financial planning doesn’t work that way. Most of the biggest decisions people face in retirement live in the gray. Phil pulls back the curtain on the sensational advice dominating YouTube and financial media. Instead of chasing rigid rules, he explains why thoughtful coordination across multiple planning areas produces better outcomes. Here’s some of what we discuss in this episode: 💰 Roth Conversions: Tax bracket timing matters 📊 Social Security: Math vs comfort decision 🛡 Life Insurance: Term vs permanent purpose 🏠 Mortgage Question: Numbers vs emotions 🧠 DIY Planning: Experience changes outcomes For more, visit us online: http://philstaxhacks.com Watch the video podcast on YouTube: https://bit.ly/3WdDG96 Get your copy of The Tax-Smart Retiree: https://www.thetaxsmartretireebook.com/welcome
People in this episode
Host: Phil Putney
Topics covered
- retirement planning
- financial decisions
- tax strategies
- social security
- life insurance
- mortgage
- DIY planning
Keywords
- retirement
- financial planning
- Roth conversions
- social security
- life insurance
- mortgage
- DIY planning
Mentioned in this episode
Organizations: AFS Wealth Management, YouTube
Products: The Tax-Smart Retiree
Books & works: Retirement Decisions Aren’t All Black & White
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