About this episode

The episode discusses tax planning strategies for retirement, focusing on Roth conversions, HSAs, and annuities.

In this episode of ’Retire with Style’, Alex Murguia and Wade Pfau dive into tax planning strategies, focusing on Roth conversions, effective marginal tax rates, and withdrawal strategies for retirement. They discuss the implications of current tax rates, the importance of blending techniques in tax planning, and the necessity of tax diversification for a successful retirement. The conversation is driven by listener questions, providing practical insights for navigating complex tax scenarios in retirement. The conversation dives into various aspects of retirement planning, focusing on Roth IRAs, Health Savings Accounts (HSAs), and annuities. They discuss the rules surrounding Roth IRAs, particularly the five-year requirement for qualified distributions. The conversation shifts to HSAs, highlighting their tax benefits and strategies for spending versus saving. Finally, they explore the complexities of managing annuities in relation to Required Minimum Distributions (RMDs), emphasizing the importance of understanding contract values and the implications of delaying income streams from annuities. Takeaways Roth conversions can be beneficial for legacy planning. You need to work…

People in this episode

Hosts: Wade Pfau, Alex Murguia

Topics covered

• tax planning strategies
• Roth conversions
• withdrawal strategies
• tax diversification
• retirement planning
• Health Savings Accounts
• annuities management

Keywords

• tax planning
• Roth conversions
• HSAs
• retirement strategies
• tax rates
• annuity management
• tax diversification

Mentioned in this episode

Products: Roth IRAs, Health Savings Accounts (HSAs), annuities

More episodes of Retire With Style

• Clarification on Ep. 237 HSA Rules for Beneficiaries · July 17, 2026 · 7 min
• Episode 236: Are Annuities Better than Bonds in Retirement? · July 7, 2026 · 32 min
• Episode 235: Are Stocks Enough to Protect You From Inflation? · June 30, 2026 · 33 min
• Episode 234: Cash in Retirement: When to Hold It, When to Invest It · June 23, 2026 · 35 min
• Episode 233: Should You Worry About Social Security Running Out? · June 16, 2026 · 31 min

Explore listener stats, chart rankings, contacts and more on the Retire With Style podcast page.