Phil Gaudiano, CPA
Retirement tax planning for pre-retirees and retirees.
I publish The Pensioner's Paradox, a newsletter on retirement income strategy and tax planning. I wrote Beyond Risk and Safety, a book on retirement planning that doesn't read like other retirement books. And I work with clients through the Tax-Protected Income Blueprint.
Where to start
Read the newsletter
The Pensioner's Paradox is free and written by a CPA. Essays on Roth conversions, the Gap Years, IRMAA, and the behavioral side of retirement income.
Get the free guide
A six-page Quick-Start Guide on the right question to ask about retirement, the embedded tax liability most people miss, and the Gap Years strategy.
Work with Phil
Two retirement planning engagements — the Tax-Protected Income Blueprint and the Coached Blueprint. For pre-retirees and retirees who want personalized analysis.
About
I'm a CPA in Northern Virginia who works almost exclusively with pre-retirees and retirees. I run Sagatax (my tax practice), advise on retirement income strategy through Potomac Assurance, and write The Pensioner's Paradox.
Most retirement planning gets the tax piece wrong by treating it as an afterthought. My work focuses on the framework that puts tax planning at the center of retirement income strategy — and the specific decisions, like Roth conversions and the Gap Years window, where the framework matters most.