Minimize your lifetime tax burden before and after retirement with strategies from a 30-year tax attorney.
Based on: Tax Attorney Reveals the Retirement Tax Mistake Almost Everyone Makes by Erin Talks Money | Erin Moriarity
What if the biggest tax mistake you could make in retirement is the one everyone around you is making right now — and nobody is talking about it? Most people assume their taxes will skyrocket when they retire. They stress, they make reactive moves, and they leave thousands of dollars on the table every single year. The truth, according to a 30-year tax attorney, is almost the exact opposite of what most people believe.
Here is the problem you are probably facing. You have spent decades building your savings, maxing out accounts, and trying to do everything right. But now, as retirement approaches, you are not sure which accounts to draw from, when to do Roth conversions, whether to delay Social Security, or how to access cash without triggering a massive tax bill. One wrong move in the wrong tax bracket and you could hand tens of thousands of dollars back to the IRS that you never had to pay.
Imagine instead knowing exactly how to stack your income so a married couple can realistically receive around $145,000 in a year and owe zero in federal tax. Picture having liquidity options in place so you never have to sell your investments at the wrong time. Envision walking into retirement with your HELOC already established, your security-backed line of credit ready, and your Roth conversion window already mapped out — all because you planned ahead during the exact years when it mattered most.
Erin Moriarity brought in tax attorney Toby Matthysse, who has spent 30 years at the intersection of tax law and investing, to lay out the exact framework for doing this. This is not generic financial advice. Toby breaks down real numbers, real account types, and real strategies that most financial content completely ignores — from bracket management and the 0% capital gains threshold to security-backed lines of credit, short-term rental loopholes, qualified charitable distributions, and the pre-retirement liquidity moves you absolutely must make before you stop receiving a W2.
This checklist captures every single actionable step from that conversation and organizes it into a clear, sequential plan you can start working through today. Whether you are 10 years out from retirement or already in it, this PDF gives you the roadmap to stop leaving money on the ground and start making smart, calculated moves at every bracket level. Pick it up, work through it with your tax professional, and start building the financial moat that lets you sleep soundly at night.
Every checklist item comes with actionable notes to guide you — things like "Don't forget to do this before you start," "Avoid this common mistake," or "Set a reminder for 30 days out." Nothing vague, just clear next steps.
+ 31 more action items inside...
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