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The Talley Perspective
Straightforward thinking on taxes, retirement, investment decisions, and building a financial life that actually works.
Featured / Retirement Planning
Health Insurance Options Before Age 65
If you want to retire before Medicare, health insurance is usually the first real obstacle. Here are the main options and the planning traps that matter.
All Articles
Use these as decision support, not market noise.
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Retirement decisions
Income, timing, taxes, healthcare, and market risk near retirement.
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Tax-aware planning
Roth conversions, RMDs, entity choices, and tax timing questions.
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Investment questions
Portfolio decisions connected to actual goals rather than market noise.
Tax Planning
Should I Elect S-Corp Status?
The S-Corp question is not just entity trivia. It is a question about owner pay, payroll taxes, Tennessee rules, cash flow, and whether the added complexity is actually worth it.
Tax Planning
The Roth Conversion Checkbox Problem
Most people doing Roth conversions are barely doing them. The box feels checked. The lifetime math says otherwise.
Tax Planning
The Tax Strategy Gap
Many people with meaningful tax bills cannot name the strategy behind them. Here is what that gap looks like and why closing it matters.
Retirement Planning
What's Your Retirement Number Based On?
Most people approaching retirement have a number in mind. Almost none of them have a plan that produced it.
Retirement Planning
The Retirement Risk Nobody Talks About
Retirement risk is not only market decline. Sequence, timing, withdrawals, and tax decisions can reshape the plan just as much.
Tax Planning
What Real Tax Planning Looks Like
Tax planning is not just March paperwork. Real planning coordinates income, investments, Roth conversions, and timing before the tax year is over.
Retirement Planning
What Changes as Financial Independence Gets Closer
As financial independence gets closer, growth stops being the only goal. Coordination, tax timing, and risk control start to matter more.
Tax Planning
Tax Planning for High-Income W-2 Earners
High-income W-2 earners still have meaningful tax-planning options. Here are the moves most worth reviewing before year-end.
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Different formats for different questions.
Planning tools
Use the calculators and visual tools when you want to see the concept, not only read about it.
ExploreLearning Center
Short answer-first explainers for retirement, tax, investing, and planning questions.
ExploreRetirement guide
A practical framework for retirement timing, taxes, income, and market risk.
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