About Frank Finly — Retirement Planning & Tax Strategies
Frank Finly breaks down retirement planning, tax strategies, and the numbers that actually matter — in plain English. From Roth conversions and Social Security timing to withdrawal strategies and tax-efficient income planning, each episode turns complex financial decisions into clear, actionable guidance.
Free retirement calculators and guides at https://frankfinly.com
Roth IRA Calculator: How Tax-Free Growth Outpaces a Taxable Account
How much could your Roth IRA be worth at retirement? Compare tax-free Roth growth against a taxable account and see the real dollar difference over time. Topics covered: roth ira calculator. Read the full article: https://frankfinly.com/retirement/roth-ira-calculator?utm_source=podcast&utm_medium=show_notes&utm_campaign=roth-ira-calculator Free retirement planning tools: https://frankfinly.com?utm_source=podcast&utm_medium=show_notes&utm_campaign=roth-ira-calculator Sourc...
8 Oct 2026
Roth 401(k) vs 401(k): Which Should You Choose in 2026?
Pre-tax or Roth 401(k)? The decision is driven by your tax bracket now versus in retirement — but two SECURE 2.0 changes make the Roth more attractive in 2026 than ever before. Topics covered: roth 401k vs 401k. Read the full article: https://frankfinly.com/retirement/roth-401k-vs-traditional-401k-2026?utm_source=podcast&utm_medium=show_notes&utm_campaign=roth-401k-vs-traditional-401k-2026 Free retirement planning tools: https://frankfinly.com?utm_source=podcast&utm_medium=sho...
24 Sept 2026
Medicare Part B Premium 2026: IRMAA Tiers, Costs & 5 Ways to Pay Less
Medicare Part B premiums in 2026 start at $185/month but can exceed $600 with IRMAA. Here is what determines your cost. Topics covered: medicare part b premium 2026. Read the full article: https://frankfinly.com/taxes/medicare-part-b-premiums-2026?utm_source=podcast&utm_medium=show_notes&utm_campaign=medicare-part-b-premiums-2026 Free retirement planning tools: https://frankfinly.com?utm_source=podcast&utm_medium=show_notes&utm_campaign=medicare-part-b-premiums-2026 Sourc...
17 Sept 2026
Social Security Raising Retirement Age: What Your Birth Year Means for Benefits
Your birth year determines your full retirement age and how much Social Security you get. Here is a complete breakdown by year. Topics covered: social security raising retirement age. Read the full article: https://frankfinly.com/retirement/social-security-by-birth-year?utm_source=podcast&utm_medium=show_notes&utm_campaign=social-security-by-birth-year Free retirement planning tools: https://frankfinly.com?utm_source=podcast&utm_medium=show_notes&utm_campaign=social-securi...
10 Sept 2026
State Taxes in Retirement: Where You Live Can Save Thousands
The same retirement income can cost you $6,000 more in California than Florida — every year. Learn which states are most tax-friendly for retirees and what factors matter beyond the headline numbers. Topics covered: states that don't tax retirement income, states that don't tax retirement. Read the full article: https://frankfinly.com/taxes/state-tax-comparison?utm_source=podcast&utm_medium=show_notes&utm_campaign=state-tax-comparison Free retirement planning tools: https://frankf...
Not all retirement income is taxed equally. These five strategies can help you build a stream of tax-free income in retirement. Topics covered: tax free retirement account, tax free retirement income, tax free retirement strategies. Read the full article: https://frankfinly.com/taxes/tax-free-retirement-income?utm_source=podcast&utm_medium=show_notes&utm_campaign=tax-free-retirement-income Free retirement planning tools: https://frankfinly.com?utm_source=podcast&utm_medium=s...
20 Aug 2026
When Can I Retire? How to Know If You're Actually Ready
Retirement isn't about reaching an age — it's about reaching a number. Here's how to figure out if your money can support your life for potentially 30+ years without a paycheck. Topics covered: when can i retire, how to know when to retire, am i ready to retire. Read the full article: https://frankfinly.com/retirement/when-can-i-retire?utm_source=podcast&utm_medium=show_notes&utm_campaign=when-can-i-retire Free retirement planning tools: https://frankfinly.com?utm_source=podcast&a...
13 Aug 2026
RMD Rules & Deadlines: What the IRS Requires and When
The RMD rules have changed twice in recent years, catching many retirees off guard. Here's exactly what you need to know about when distributions must begin, how they're calculated, and what happens if you miss the deadline. Topics covered: rmd rules, required minimum distribution, rmd deadlines, rmd 2026. Read the full article Free retirement planning tools Sources mentioned: - IRS Publication 590-B — Distributions from IRAs (RMD rules, penalties)
6 Aug 2026
Can You Retire on $1 Million? What the Math Actually Shows
Is $1 million enough to retire? We run the numbers on withdrawals, taxes, and Social Security to give you the real answer. Read the full article Free retirement planning tools Sources mentioned: - IRS — Federal Income Tax Rates and Brackets - IRS Topic 551 — Standard Deduction - IRS Topic 409 — Capital Gains and Losses - IRS Publication 915 — Social Security and Equivalent Railroad Retirement Benefits (taxation rules) - IRS — Retirement Topics: Required Minimum Distributions (RMDs)
31 Jul 2026
Can You Retire on $500K? A Realistic Breakdown
Can you retire on $500K? We break down the math, taxes, and strategies to make half a million work for your retirement. Read the full article Free retirement planning tools Sources mentioned: - IRS — Retirement Topics: Required Minimum Distributions (RMDs) - SSA — Delayed Retirement Credits and Early Retirement Reductions - Medicare.gov — Medicare Costs (Part B premium and IRMAA) - Genworth — Cost of Care Survey (long-term care)
23 Jul 2026
Early Retirement & FIRE: How to Buy Your Freedom Decades Early
The FIRE movement proves that retirement at 40 or 50 is possible — but only with intentional choices. Learn the math, strategies, and trade-offs behind financial independence and early retirement. Read the full article Free retirement planning tools Sources mentioned: - Bengen (1994) — Determining Withdrawal Rates Using Historical Data (the 4% rule) - IRS — Retirement Topics: Exceptions to Tax on Early Distributions (72(t) SEPP) - IRS — Roth IRA Withdrawal Rules - HealthCare.gov — Premium ...
16 Jul 2026
Social Security at 62 vs 67: The $100,000 Decision
Claiming Social Security at 62 vs 67 can mean a $100,000+ difference. Here is how to figure out the right age for you. Read the full article Free retirement planning tools Sources mentioned: - SSA — Delayed Retirement Credits and Early Retirement Reductions - SSA — Benefit Formula (AIME / PIA) - SSA — Period Life Table (longevity)
9 Jul 2026
How to Minimize Taxes in Retirement: 7 Strategies That Work
Most retirees overpay on taxes. Here are seven proven strategies to minimize your retirement tax bill legally. Read the full article Free retirement planning tools Sources mentioned: - IRS — Federal Income Tax Rates and Brackets - IRS Topic 409 — Capital Gains and Losses - IRS — Retirement Topics: Required Minimum Distributions (RMDs) - IRS Publication 915 — Social Security and Equivalent Railroad Retirement Benefits (taxation rules) - Medicare.gov — Medicare Costs (IRMAA Income-Related Mo...
2 Jul 2026
Roth Conversion Strategies: Pay Taxes Now, Save More Later
A decade of low-bracket conversions can save six figures in lifetime taxes. Learn the advanced strategies — bracket filling, multi-year planning, and timing around life events — that separate tax-savvy retirees from everyone else. Read the full article Free retirement planning tools Sources mentioned: - IRS Publication 590-B — Distributions from IRAs (Roth conversion, RMD) - IRS — Federal Income Tax Rates and Brackets
25 Jun 2026
The 4% Rule in 2026: Does It Still Work for Your Retirement?
The 4% rule has guided retirees for 30 years. But with longer retirements and market uncertainty, does it still hold up? Read the full article Free retirement planning tools Sources mentioned: - Bengen (1994) — Determining Withdrawal Rates Using Historical Data, Journal of Financial Planning - Cooley, Hubbard & Walz — Trinity Study: Retirement Savings: Choosing a Withdrawal Rate That Is Sustainable (AAII Journal) - Pfau — An International Perspective on Safe Withdrawal Rates - Guyton &...
17 Jun 2026
Backdoor Roth IRA: The Step-by-Step Guide for High Earners
The backdoor Roth IRA lets high earners bypass income limits. Here are the exact steps, the pro-rata trap, and how to avoid mistakes. Topics covered: backdoor roth ira, backdoor roth. Read the full article Free retirement planning tools Sources mentioned: - IRS — Roth IRAs - IRS Publication 590-A — Contributions to IRAs - IRS Form 8606 — Nondeductible IRAs - IRS — Rollovers of Retirement Plan and IRA Distributions
5 Jun 2026
What Is a Roth IRA? Roth vs Traditional — The 2026 Tax Decision
Pay taxes now or pay taxes later? The answer isn't as obvious as it seems — and getting it right can mean tens of thousands more in retirement income. Topics covered: what is a roth ira, roth ira vs traditional ira. Read the full article Free retirement planning tools Sources mentioned: - IRS — Traditional and Roth IRAs - IRS — Publication 590-A - IRS — Publication 590-B - IRS — Required Minimum Distributions - IRS — Tax Rates and Brackets
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