Video
Avoid IRS Penalties: The Complete Guide to Estimated Tax Payments in Retirement (2025)
Avoid costly retirement tax mistakes. Expert CJ Miller shares simple steps to maximize your income and minimize IRS payments. Learn the 90/110 rules, avoid penalties, and use the annualized income method to save thousands.
Retirement Tax Planning Strategies: Avoid Costly Mistakes
Are you making costly mistakes with your retirement taxes? Most retirees overpay the IRS by thousands each year because they don’t understand estimated tax payment strategies. Financial planner CJ Miller from Sensible Money simplifies the complex rules into practical, actionable steps that can save you money.
🎯 What You’ll Learn About Retirement Tax Planning Strategies:
• The 90% vs. 110% safe harbor rules—and when to use each
• How to avoid underpayment penalties (currently 7–8% interest!)
• Why most retirees overpay by $10,000+ annually
• The powerful “annualized income method” that can save thousands
• Smart withholding strategies for IRAs, Social Security, and pensions
• When to use electronic payments vs. paper checks
⏰ Key Timestamps:
0:00 Why estimated payments matter in retirement
2:03 Safe harbor rules explained with examples
8:37 Mixed income scenarios (W-2 + 1099)
13:54 The game-changing annualized income method
20:28 State tax considerations & bonus tips
💡 Perfect For:
New retirees, anyone with investment income, Roth conversion planners, and those tired of receiving huge tax refunds (and losing out on interest!).
💰 Stop overpaying the IRS! This could be the most valuable 25 minutes you spend on your retirement planning. Watch now to take control of your finances and put smart retirement tax planning strategies into action.
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