7 Questions to Bullet Proof Your Retirement Strategy
In this brief segment, Craig Wear, CFP®, explains that the purpose of his framework is not to make viewers become financial planners, but to give them a way to assess whether their retirement strategy is robust for the long term. He introduces a set of seven diagnostic questions that can be used when reviewing advice with a CPA. The first question probes the intent of the recommendation—whether it aims to reduce the current year’s tax liability or to minimize taxes over the entire retirement horizon. He emphasizes that advice focused solely on keeping a client in today’s tax bracket, especially for high‑net‑worth IRA owners, signals a short‑term tax‑saving focus rather than a comprehensive, multi‑decade tax plan. The second question (not fully detailed in the excerpt) is hinted to address common weak points in advice. The overall goal is to equip viewers with a checklist to evaluate the durability of their retirement and tax strategies.
