Healthcare Analysis: How We Save Our Clients Thousands Before Medicare Begins

Healthcare costs shouldn't stop you from retiring early, especially when strategic planning can reduce those expenses from $1,000+ to as little as $50 per month. We explore how proper account structure and withdrawal strategies can save you tens of thousands in healthcare premiums during the critical pre-Medicare years. • "Superhero accounts" (brokerage/taxable accounts) offer tremendous flexibility for controlling taxable income • Capital gains from brokerage accounts are taxed more favorably than IRA withdrawals • Strategic income planning can qualify you for ACA subsidies, potentially saving $70,000+ over five years • Tax gain harvesting at 0% capital gains rate provides additional opportunities • Balance healthcare optimization with other goals like Roth conversions • Most valuable for those within 5 years of retirement Submit your questions at earlyretirementpodcast.com. I respond to everyone, and if your question would benefit many, I'll make an episode about it. Create Your Custom Early Retirement Strategy Here Get access to the same software I use for my clients and join the Early Retirement Academy here Ari Taublieb, CFP ®, MBA is the Chief Growth Officer of Root Financial Partners and a Fiduciary Financial Planner specializing in helping clients retire early with confidence.