Frank Finly — Retirement Planning & Tax Strategies

Frank Finly
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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

  1. 6d ago

    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 Sources mentioned: - IRS — Roth IRAs — https://www.irs.gov/retirement-plans/roth-iras - IRS Publication 590-A — Contributions to IRAs — https://www.irs.gov/publications/p590a - IRS Publication 590-B — Distributions from IRAs (5-year rule, 59½) — https://www.irs.gov/publications/p590b - IRS Notice 2025-67 — 2026 Amounts Relating to Retirement Plans and IRAs — https://www.irs.gov/pub/irs-drop/n-25-67.pdf

  2. Oct 8

    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=show_notes&utm_campaign=roth-401k-vs-traditional-401k-2026 Sources mentioned: - IRS — Roth Comparison Chart — https://www.irs.gov/retirement-plans/roth-comparison-chart - IRS — SECURE 2.0 Act Changes — https://www.irs.gov/retirement-plans/secure-20-act-changes

  3. Sep 24

    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 Sources mentioned: - Medicare.gov — What does Medicare cost? — https://www.medicare.gov/basics/get-started-with-medicare/medicare-basics/what-does-medicare-cost - SSA — Medicare Premiums: Rules for Higher-Income Beneficiaries (IRMAA) — https://www.ssa.gov/medicare/part-d-extra-help/medicare-premiums-rules-higher-income-beneficiaries

  4. Sep 17

    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-security-by-birth-year Sources mentioned: - SSA — Full Retirement Age Chart by Birth Year — https://www.ssa.gov/benefits/retirement/planner/agereduction.html - SSA — Delayed Retirement Credits and Early Retirement Reductions — https://www.ssa.gov/benefits/retirement/planner/delayret.html - SSA — Benefit Formula (AIME / PIA) — https://www.ssa.gov/oact/cola/Benefits.html

  5. Sep 10

    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://frankfinly.com?utm_source=podcast&utm_medium=show_notes&utm_campaign=state-tax-comparison Sources mentioned: - Tax Foundation — State Individual Income Tax Rates — https://taxfoundation.org/data/all/state/state-individual-income-tax-rates-and-brackets/ - Tax Foundation — Property Taxes by State — https://taxfoundation.org/data/all/state/property-taxes-by-state/ - Tax Foundation — State and Local Sales Tax Rates — https://taxfoundation.org/data/all/state/2024-sales-taxes/ - Tax Foundation — State Treatment of Retirement Income — https://taxfoundation.org/data/all/state/state-individual-income-tax-rates-and-brackets/

  6. Sep 3

    Tax-Free Retirement Income: 5 Strategies Worth Knowing

    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=show_notes&utm_campaign=tax-free-retirement-income Sources mentioned: - IRS — Roth IRAs — https://www.irs.gov/retirement-plans/roth-iras - IRS Publication 969 — Health Savings Accounts — https://www.irs.gov/publications/p969 - IRS — Tax-Exempt Interest (Municipal Bonds) — https://www.irs.gov/taxtopics/tc403 - IRS — Life Insurance Policy Loans (Modified Endowment Contracts) — https://www.irs.gov/publications/p525

  7. Aug 20

    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&utm_medium=show_notes&utm_campaign=when-can-i-retire Sources mentioned: - Bengen (1994) — Determining Withdrawal Rates Using Historical Data (the 4% rule) — https://www.financialplanningassociation.org/article/journal/MAR04-determining-withdrawal-rates-using-historical-data - SSA — Benefit Formula (AIME / PIA) — https://www.ssa.gov/oact/cola/Benefits.html - SSA — Delayed Retirement Credits and Early Retirement Reductions — https://www.ssa.gov/benefits/retirement/planner/delayret.html - IRS — Retirement Topics: Exceptions to Tax on Early Distributions (72(t) SEPP) — https://www.irs.gov/retirement-plans/plan-participant-employee/retirement-topics-exceptions-to-tax-on-early-distributions

  8. Aug 13

    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)

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About

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

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