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@KurtSupeCPA "The Number That Wasn't A prospective client came in at XX with $X million ready to retire. I asked him what he spent annually. He shrugged. "I don't know. maybe $20k a month" We tracked three monthsit was actually $23k closer to $280k a year. I did the math: at that burn rate assuming X% returns and X% inflation his money would last until about XX. Maybe XX if markets cooperated. "So what do I need" he asked. "About $X million. Or a strong financial plan to reduce taxes front-load spending during your healthy years build in a cushion for healthcare costs later and maybe pick up some part-time"
X Link @KurtSupeCPA 2025-10-24T11:50Z XXX followers, XXX engagements

"Id recommend working with a financial advisor who has a background in tax planning you feel comfortable withideally one who has an attorney on their team or within their network. You really need a combination of a strong financial plan and a well-structured estate plan. The cost of doing it right is minimal compared to what can be lost with a large estate or retirement plan that isnt properly coordinated"
X Link @KurtSupeCPA 2025-10-29T11:56Z XXX followers, XX engagements

"Fidelity's 2025 Retiree Health Care Cost Estimate: A 65-year-old retiring today needs $172500 saved just for healthcare costs in retirement. That's for ONE person. A couple Around $345000. That's NOT long-term care. That's just: Medicare premiums Supplemental insurance Prescriptions Co-pays And here's the kicker: Healthcare inflation has consistently outpaced general inflation. Healthcare is the biggest underestimated expense in retirement"
X Link @KurtSupeCPA 2025-10-29T14:05Z XXX followers, XX engagements

"Unpopular opinion: Roth conversions aren't ALWAYS smart. I just talked a client OUT of a $300K Roth conversion. Why He's XX planning to retire at XX Current income: $210K (24% bracket) Retirement income will be: $85K (12% bracket) He'd pay $72K in taxes now to save XX% later The math doesn't work. Everyone's screaming "convert everything to Roth" But if you'll be in a LOWER bracket in retirement you're prepaying taxes unnecessarily"
X Link @KurtSupeCPA 2025-10-29T15:46Z XXX followers, XXX engagements

""I'll be in a lower tax bracket in retirement." Maybe. But consider: RMDs starting at age XX (SECURE 2.0) XX% of Social Security becomes taxable above certain thresholds IRMAA penalties No mortgage interest deduction Pension income Capital gains from taxable accounts Plus: Tax rates are historically low right now. What happens if our massive deficit sends taxes higher down the road. Many retirees are shocked they're in the SAME or HIGHER brackets. Run the numbers. Don't assume"
X Link @KurtSupeCPA 2025-10-30T11:49Z XXX followers, XXX engagements