How much of your retirement income do you actually get to keep?

Baobab Bulletin  •  Issue #11  •  June 2026
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Baobab Wealth

A twice‑monthly roundup from Baobab Wealth & Baobab Wealth Abroad

The Baobab Bulletin

Hi there,

This month’s Baobab Bulletin leans into Roth planning, tax diversification, and the practical question behind it all: how much of your retirement income do you actually get to keep?

We’re also looking at the Roth IRA rules people often misunderstand, IRS exceptions that can affect early retirement income, the five-year clock that can surprise expats, Jimmy’s recent guest appearance on Escape the Clock, and a new checklist for taxable non-qualified account income.

If you’d like to review how any of this applies to your situation, click below to schedule an appointment.

Have a question? Click HERE to schedule a screen share and we'll walk through it together.
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Featured Video
Why the Roth IRA Is the Most Misunderstood Retirement Account

Why the Roth IRA Is the Most Misunderstood Retirement Account

Jimmy explains why the creation of the Roth IRA changed retirement planning, why annual tax planning is different from lifetime tax planning, and how Roth accounts can help reduce future tax burdens when they are used in the right sequence.

Prefer to listen? Explore related Roth and retirement tax episodes on the Divorce the IRS podcast.
WATCH THE VIDEO

Podcasts

Divorce the IRS Podcast

Divorce the IRS Podcast


Welcome to Divorce the IRS, the Retirement Income Planning Podcast, built for people who want to pay the least amount of taxes possible and create retirement income that actually lasts. Inspired by Jimmy Miller’s bestselling book Divorce the IRS, this show takes you behind the scenes of the tax rules, retirement strategies, and planning decisions that can quietly determine how much of your money you keep.

Abroad in America Podcast

As a non‑US citizen living and working in the United States, you face many new challenges when it comes to learning and understanding a completely new financial and tax system. The goal of this podcast is to help non‑US citizens and cross‑border families implement effective strategies to take full advantage of the opportunities to create wealth in the United States-both while you're here and even once you've left
Divorce the IRS: Defusing the Tax Time Bombs Hidden in Your Freedom Plan with Jimmy Miller

Guest Appearance

Divorce the IRS: Defusing the Tax Time Bombs Hidden in Your Freedom Plan

Jimmy joins Escape the Clock to talk about the tax time bombs that can sit inside a freedom plan, including the retirement income decisions that determine how much of your money you actually keep.

From the Book

Roth accounts only help if they fit the larger tax plan

This creates a tax liability that year on all the dollars you shift, so the strategy must be considered carefully. However, once converted, the money (and its growth) should never be taxed again.

With the historically low tax rates we are experiencing, it’s worth determining if...
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What We're Reading / Thinking About

Here are a few things we’ve been reading and thinking about lately:
The Federal Deficit Is a Mess, But Fixing Social Security Could Help a Lot

The Federal Deficit Is a Mess, But Fixing Social Security Could Help a Lot - Center for Retirement Research
Ben Carlson on Risk, Reward, and Stock Market Charts

Ben Carlson on Risk, Reward, and Stock Market Charts - TKer

Useful Resources

Taxable Account Income Planning Checklist

This month’s checklist can help you review how interest, dividends, capital gains, losses, and withdrawals from taxable non-qualified accounts may affect your broader tax and retirement income plan.
DOWNLOAD THE GUIDE

Follow us for more financial planning videos, updates, and resources.
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CONTACT US

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