Welcome to The Pulaski Planner, your retirement lookout.

In this episode, host Catherine Kirchner guides public land professionals through a powerful analogy that will change the way you think about retirement taxes: the river lock system.

Discover how understanding tax brackets is like navigating a series of river locks, and why this simple analogy can help you make smarter decisions about your retirement income. We’ll break down:

• How progressive tax brackets really work (and common misconceptions)
• The impact of Required Minimum Distributions (RMDs) on your retirement income
• The “tax flood” problem and how to avoid being caught off guard
• The strategic benefits of Roth conversions—taking control of your tax future
• Why timing and planning can lead to long-term peace of mind

Catherine shares practical tips and cautions, reminding listeners that every financial situation is unique and that consulting a qualified advisor is essential before making big decisions.

Are you ready to take control of your financial future, or will you wait for the flood? Tune in for actionable insights and subscribe for more retirement wisdom tailored to public land professionals.

Disclaimer: This episode is for educational purposes only and does not constitute financial advice. Please consult a qualified financial advisor for guidance specific to your situation.