Baobab Bulletin — Issue #1 — What we’re building, watching, and reading to start 2026.
Baobab Bulletin • Issue #5 • March 2026
A twice‑monthly roundup from Baobab Wealth & Baobab Wealth Abroad
The Baobab Bulletin
Hi there,
Many retirement accounts come with an appealing promise: a tax deduction today. But those upfront savings can create a different question later: how much of your retirement account actually belongs to you, and how much belongs to the IRS?
In this month’s Baobab Bulletin, we explore one of the most common retirement “tax time bombs,” why early withdrawals from retirement accounts can trigger unexpected taxes and penalties, and why the number shown in your IRA or 401(k) may not represent the amount you actually getin retirement.
We’ve also included a Roth conversion guide to help you evaluate whether shifting some retirement savings into tax-free territory could make sense as part of your long-term plan. If you’d like to review how this applies to your situation, you can schedule a call by clicking the button below.
Have a question? Click HERE to schedule a screen share and we’ll walk through it together.
Many people celebrate the tax deduction they get from retirement contributions. But those “tax savings” just means the IRS is now your investment partner! As your account grows over time, so can the government’s future claim on it.
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.
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
Use this guide to help determine whether a Roth conversion could make sense based on your current tax bracket, future income expectations, and long-term retirement strategy.
Baobab Wealth Management and Baobab Wealth Abroad are DBA names of Baobab Wealth LLC, a Florida state Registered Investment Advisor.
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