The Early Retiree’s Guide to Health Insurance with Grayson Blazek, Ep #229

Financial Symmetry: Balancing Today with Retirement

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18d ago 24:11

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Early retirement has unique financial planning challenges, particularly regarding health insurance and tax strategies. For people who retire before age 65, the challenge of finding affordable and adequate health insurance adds another layer of complexity to their financial plans.

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Outline of This Episode

[04:32] Considering Roth conversion for potential tax benefits
[09:07] Rules around qualifying for ACA in 2025
[12:36] Early retirement may offer a low-tax window for Roth conversions, potentially reducing the lifetime tax burden
[15:49] Consider long-term planning, not just immediate tax impacts, for decisions like Roth conversions
[18:44] Roth conversions are typically completed at year's end to account for unexpected income changes affecting ACA MAGI estimates.

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