Episode 89, Year-end tax planning, tax moves in 2026, Roth conversions & more: Cody Garrett, CFP® & Sean Mullaney, CPA; Jon Luskin, CFP® hosts

I think what's happening with tax planning or really the fear-based marketing commentary around tax planning is this is this idea of somebody who owns a service and a lot of their content is trying to convince you that you've fallen down and you're stuck down in a well and they happen to be at the top of the well with a rope and they're like, I'm the only one who can save you. Let's talk a little bit more about some of these maybe overblown tax considerations. I really like in the book how you frame Irma, for example, as a nuisance tax, right? This is a small percent of a tax on your wealth when you look at the numbers when you break it down.

The widow will have a less tax efficient situation. You gotta look at the numbers. And there are other tools in the toolbox. Qualified charitable distributions can attack the problem. Something called asset location where we hold all our taxable bonds in our 401k or IRA.

That can help attack the problem. your own living expenses, right? One thing to keep in mind for all the worry about RMDs. Welcome to the 89th Bookleheads on Investing podcast. My guests are Sean Mullaney and Cody Garrett.

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