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Baobab Bulletin • Issue #13 • July 2026
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A twice‑monthly roundup from Baobab Wealth & Baobab Wealth Abroad
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The Baobab Bulletin
Hi there,
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Sonja's grandmother was retired for 43 years. That's longer than most careers, and it points at a question many retirement plans never really answer: getting to retirement is one challenge, but staying retired through four decades of markets, taxes, healthcare, and change is another one entirely.
This mid-July issue is built around that question. Sonja tells her grandmother's story in a new video, Jimmy's midyear letter takes stock of 2026 so far, and we've added a fresh article on retiring abroad, a longevity chart, and a flowchart for deciding where the next retirement dollar may come from.
On the podcasts, we look at real estate as retirement income, including the costs and tax tradeoffs that are easy to miss, along with annuities and tax-free retirement income. Plus five fresh reads on market highs, index funds, effort and happiness, rules of thumb, and active management.
As always, if you’d like to review how any of this applies to your situation, click below to schedule an appointment.
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Have a question? Click HERE to schedule a screen share and we'll walk through it together.
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Midyear Progress, Market Noise, and Staying Invested
In his midyear letter, Jimmy reflects on what genuine progress looks like when markets and headlines are noisy. Account values are only part of the picture; company earnings, dividend income, and a plan anchored to long-term goals can tell a more useful story.
He also shares several Baobab team and firm updates, including welcoming Kathy Armstrong as operations manager.
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READ THE LETTER
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Retiring Abroad: A Practical Roadmap Before You Pack Your Bags
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Retiring abroad changes more than your address. Sonja lays out the planning work to do before packing: U.S. taxes, residency and visa rules, cost of living, healthcare, estate planning, and staying connected once the move is real.
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READ THE ARTICLE
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My Grandmother Retired for 43 Years. Here's What She Taught Me.
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What if retirement lasts more than 40 years? After her grandmother lived to nearly 103 and spent 43 years in retirement, Sonja looks at what longevity changes: income planning, sequence-of-returns risk, health, purpose, and the need for a plan that can adapt across the go-go, slow-go, and no-go years.
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WATCH THE VIDEO
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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.
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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
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Longevity Risk: Plan to Live Longer Than You Expect
Conditional life expectancy has a counterintuitive feature: the longer you live, the older you're expected to reach. A 50-year-old man has an average life expectancy of 80, but a man who reaches 80 has an average life expectancy of 89. At 90, it rises to 94. Women remain ahead at each milestone, though the gap narrows with age.
A retirement plan may need to support 30 years or more without a paycheck. Income, spending, healthcare, and portfolio decisions all have to account for a journey that could run much longer than the first life-expectancy estimate suggests.
Chart source: Exhibit A, using Social Security Administration 2023 Period Life Table data. Figures are population averages, not predictions of any individual's lifespan.
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What We're Reading / Thinking About
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Where Should I Withdraw My Next Dollar From for Retirement Expenses?
This flowchart helps retirees compare which account or asset may be most appropriate for the next retirement expense. It walks through education, charitable giving, medical costs, age, current and future tax rates, AGI/MAGI effects, and early-withdrawal penalties so the decision starts with the purpose of the withdrawal, not simply the first available account.
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DOWNLOAD THE FLOWCHART
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Follow us for more financial planning videos, updates, and resources.
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Florida
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Alaska
721 Depot Drive
Anchorage, AK 99501
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Baobab Wealth Management and Baobab Wealth Abroad are DBA names of Baobab Wealth LLC, a Florida state Registered Investment Advisor.
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