Tax Management in Traditional Retirement (Phase 3)

This is Part 3c of our Retirement Withdrawal Strategies series. Quick summary so far: Part 1: When can you access your retirement savings? Part 2: How to avoid paying US and UK tax again (or at least minimize them) Part 3a: Putting it together in Early Retirement Part 3b: Putting it together in Middle Retirement

Tax on UK Pension Withdrawals

A relatively quick one today, on a topic I’ve been trying to nail down for a while. Disclosure up front – as always, I’m not a professional. This topic is particularly complex, and I invite discussion and disagreement; I’ll happily update this post if anybody finds any inaccuracies and call out any alternative viewpoints. Just

Tax Management in Middle Retirement (Phase 2)

This is Part 3b of our Retirement Withdrawal Strategies series. Quick summary so far: Part 1: When can you access your retirement savings? Part 2: How to avoid paying US and UK tax again (or at least minimize them) Part 3a: Putting it together in Early Retirement Today, we’ll look at “Middle Retirement” or Phase

Putting it Together: Tax Management in Early Retirement (Phase 1)

This is Part 3a of our Retirement Withdrawal Strategies series. In Part 1, we looked at when you can actually access your retirement savings, dividing retirement roughly into three phases: In Part 2, we explored the tax-free buckets that you can use so you never pay US or UK tax again (or at least keep

RMDs vs Lifetime Allowance – Which Alligator Should You Focus On?

Fair warning: this post is for people who have reason to be concerned about both RMDs and the Lifetime Allowance. If you don’t have a Traditional 401k/IRA/etc. balance or you have no concerns about exceeding the LTA, you can skip on past – just focus on the one that affects you. Also – this one

How I Learned to Stop Worrying and Defuse the RMD Bomb

Time for a quick pause in my bigger Withdrawal Strategies series – there’s a few detailed topics we need to get to before we can get to Part 3, combining when you get access to accounts with how to minimize your taxes and get to your money. Before Part 3 will make sense, I’m going

Retirement Withdrawal Strategies – Part 1

I’ve been thinking about this one for a while, trying to find a way to make it simple and straightforward. There’s already some great work out there on withdrawal strategies, including from GoCurryCracker and the Mad Fientist/JL Collins, but they’re specific to Americans in the US. You could work out a similarly simple approach for