The Atomic Retirement Podcast

Did you know taxes could be your largest retirement expense? If you’re over 50, you’re in a prime position to take advantage of powerful tax breaks that can save you thousands—but many people miss these opportunities and end up overpaying.

In this episode, we’ll uncover 6 key tax strategies to help you keep more of your hard-earned money, including:

• Catch-Up Contributions: Maximize your retirement savings.
• Qualified Charitable Distributions (QCDs): Support causes you care about while lowering your tax bill.
• And more proven ways to reduce taxes in retirement.

If you’re nearing retirement, this episode is packed with must-know tips to help you minimize taxes and maximize your wealth.

Episode Resources
6 Tax Breaks After 50 You Can't Afford to Miss
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• Retirement Income Analysis

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Most retirees don’t realize just how valuable Social Security can be—or how much strategy goes into maximizing those benefits.

In this episode, we break down a real-life case study of a couple I work with, let's call them James and Elizabeth. Thanks to a smart claiming strategy, they’re projected to collect over $2.4 million in lifetime Social Security benefits. We’ll walk through:

✔️ Why the higher-earning spouse should consider delaying benefits
✔️ How spousal and survivor benefits can significantly boost lifetime income
✔️ The impact of cost-of-living adjustments (COLAs) on long-term benefits
✔️ How to check your Social Security statement and calculate your own benefits

Are you making the most of your Social Security? Learn how to run your own numbers and avoid leaving money on the table.

Episode Resources

Social Security Administration

Don't Miss Out: Smart Retirement Savers Read Atomic Ideas
Want weekly tips to make smarter financial decisions? Subscribe to Atomic Ideas, a free newsletter packed with timely market insights, helpful visuals, and proven retirement strategies.

Get Atomic Ideas
Ready to Create Your Atomic Retirement?
Take the next step! Schedule your FREE 20-minute Atomic Retirement Roadmap appointment today. What's included?

• Tax Return Review
• Investment Check-Up
• Retirement Income Analysis

Get Your Free Atomic Retirement Roadmap

Share Your Thoughts
Enjoyed this episode? Please leave a review and share it with someone who's planning for retirement!

Tax season is upon us, and you have probably received your fair share of important tax documents in the mail (or email inbox). Chances are your W-2 is not the only tax form you'll need to complete your income tax return because you likely received at least one or more 1099 forms too. Your 1099 forms report various types of income from the previous year. And that's why we must pay attention to them as we prepare and get organized for this tax season. Today we're talking about what you can learn from your 1099 forms. I hope you enjoy this episode of The Atomic Retirement podcast!

Resources Mentioned

• Morningstar: What You Can Learn From Your 1099 Forms
• IRS Website: Qualified Charitable Distributions for IRA Owners
• IRS 2022 Instruction 1040

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What are Required Minimum Distributions (RMDs)? That's what I'm talking about on this episode of The Atomic Retirement Podcast.

Resources Mentioned

• IRS Website Required Minimum Distributions
• Transferring IRA Money to an HSA from Investopedia

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Today we are talking about proactive tax planning and how it may be able to rescue your retirement and defuse a retirement tax bomb. I hope you enjoy this episode of The Atomic Retirement Podcast!

Resources Mentioned

• How Proactive Tax Planning Can Rescue Your Retirement
• 2022 Tax Rates, Schedules, and Contributions Limits
• IRS Publication 590-B Distributions from Individual Retirement Accounts
• Estimate Your Social Security Retirement Benefits
• Income Taxes and Your Social Security Benefit
• Medicare Costs at a Glance

Start Your Atomic Retirement Journey
📱 Follow Ryan on Twitter
🗞 Get Atomic Planning's Weekly Newsletter
🚀 Ask Ryan a Money Question