Building a Multi-Year Retirement Tax Plan

A working retirement tax plan looks forward several years rather than only at the current tax return. This hands-on course walks you through building that forward-looking plan with templates. By the end of this course you will have an inventory of accounts and income sources, a withdrawal sequencing plan across taxable, tax-deferred, and tax-free accounts, a Roth conversion schedule if appropriate, a required minimum distribution projection, and a Medicare premium awareness plan. What you will learn: - How to inventory accounts and project income sources year by year - How to sequence withdrawals across account types in tax-efficient ways - How to design a Roth conversion strategy that fills lower tax brackets without spiking Medicare premiums - How to project required minimum distributions and plan for their tax impact - How to manage capital gains and tax-loss harvesting in taxable accounts - How to handle large one-time events such as home sales, inheritance, and pension lump sums - How to build a simple multi-year tax projection spreadsheet that updates each year The course is structured as a workbook. Each module covers one piece, provides templates, walks through a filled example, and guides you to complete your own version. This course is written for adults within five years of retirement or already retired. By the end you will have replaced reactive tax filing with a multi-year strategy, and the choices made now will compound into meaningful lifetime tax savings.