Sean Mullaney
speaker
1,197 appearances
2 recordings
2 series
first heard Jan 2026
last heard 23 Apr
Sean Mullaney’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 2 in all, peaking in Apr 2026 with 1.
Appearances
Now, I'm not here to say that that's going to continue, meaning
I do think there's some risk that may to be small, incremental, minor tax increases.
And I'm certainly not going to bet on continued tax cuts on retirees.
But I think the history, the politicians motivations, today's rates sort of come out with this message of taxation in the future for retirees is likely to be relatively modest.
That's certainly not guaranteed.
And look, I'm not here to say you shouldn't think about some tactics like some smaller Roth conversions.
maybe doing the backdoor Roth while you're working.
There are different things you can do to help mitigate that risk.
But I just don't think that fear of taxation in retirement is that justified in today's environment and looking into the future.
Yes, so IRMA, let's talk about that one.
That is an increase in Medicare Part B and Part D premiums.
And it's based on your income from the two years previous.
Now, when you run the numbers, two things sort of emerge.
One is IRMA tends to be a tax on affluent singles and widows.
So if you look at when IRMA kicks in, it's over $200,000 of income for a married couple.
Even very affluent married couples, when they're no longer working, often have a difficult time reporting $200,000 or more of income on a tax return in retirement.
That's partly because of basis recovery with capital gains transactions.
By the way, in retirement, our spending tends to form a natural ceiling on our taxable income in a way it did not during our accumulation years.
That's an important insight.
So when we're married, Irma tends to barely bite.
Showing 1141–1160 of 1,197 · page 58 of 60
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