Evan T. Beach, CFP®, AWMA®
After graduating from the University of Delaware and Georgetown University, I pursued a career in financial planning. At age 26, I earned my CERTIFIED FINANCIAL PLANNER™ certification. I also hold the IRS Enrolled Agent license, which allows for a unique approach to planning that can be beneficial to retirees and those selling their businesses, who are eager to minimize lifetime taxes and maximize income.
My extensive experience in retirement income and tax planning as well as practice management has attracted industry and media attention. I’m a columnist for Kiplinger and the Journal of Financial Planning and a frequent contributor to Yahoo Finance, CNBC, Credit.com, TheStreet.com, Bloomberg and U.S. News and World Report, among others. I also serve as a special topics instructor at Texas Tech University’s highly regarded undergraduate and graduate personal financial planning programs.
Investment Advisory Services through Mariner Platform Solutions, LLC, an SEC Registered Investment Adviser.
Email: EBeach@exit59advisory.com | Website: www.exit59advisory.com
Calendly: calendly.com/ebeach-vfy/introductory-call
Latest articles by Evan T. Beach, CFP®, AWMA®
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The Five Critical Components of a Financial Plan for Retirees
Not only do you need to know what you’re going to do and whether you have enough money to do it, you need plans for income, taxes and your estate. Here’s how to build your plan.
By Evan T. Beach, CFP®, AWMA® Published
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Three Legit Reasons to Break Up With Your Financial Adviser (and How to Do It)
This financial adviser notes that there are more than a few bad advisers and more than three reasons to give them the boot, but these are valid reasons he often sees.
By Evan T. Beach, CFP®, AWMA® Published
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Five 2023 Financial Events and the Timeless Lessons They Reinforced
From aggressive interest rate hikes to bank failures to the rise of AI, this year has shown us why it’s important to both take advantage of opportunity but also keep a level head with our financial plans.
By Evan T. Beach, CFP®, AWMA® Published
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Four Ways to Smile More When You Think of Your Spending
The goal is to increase the personal return on investment of your spending by focusing more on your values, experiences, relationships and giving.
By Evan T. Beach, CFP®, AWMA® Published
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RMDs Deadline Is Coming: What if You Don’t Need the Money?
New rules affect the age when you have to take your RMDs and what the penalty is if you mess up. There are also options to delay or avoid taking them.
By Evan T. Beach, CFP®, AWMA® Published
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The Best and Worst Ways for Retirees to Give on Giving Tuesday
Cash donations are certainly the most convenient, but you could be overlooking significant tax advantages by taking the easy way.
By Evan T. Beach, CFP®, AWMA® Published
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Four Reasons to Rent When You Downsize for Retirement
Renting is great when you want to test-drive a location, or you want more predictable costs. It might be easier for family relationships in the long run, too.
By Evan T. Beach, CFP®, AWMA® Published
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Three Keys to Keeping More of Your Money in Retirement
How well you do your tax planning will determine how much of your retirement income you get to keep and how much goes to Uncle Sam.
By Evan T. Beach, CFP®, AWMA® Published
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Four Things to Know if Medicare’s IRMAA Kicks In
The income-related monthly adjustment amount, known as IRMAA, happens when your income exceeds a certain threshold. You can appeal if your circumstances change.
By Evan T. Beach, CFP®, AWMA® Published
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Should You Own Crypto if You’re Retired?
Pandora’s box might have just popped open, but let’s take a crack at making some suggestions that could help you to answer that question based on your own situation.
By Evan T. Beach, CFP®, AWMA® Published
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Five Things to Know if You're Considering Early Retirement
Making Your Money Last Whether you’re facing a layoff or buyout or planning an early exit on your own, check out these strategies to see if you’re ready for early retirement.
By Evan T. Beach, CFP®, AWMA® Last updated
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Five Tax Moves Retirees Should Consider Before Dec. 31
Now is the prime time to start thinking about optimizing your Roth conversions, RMDs, capital gains, Medicare premiums and charitable giving before the end of the year.
By Evan T. Beach, CFP®, AWMA® Published
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If You Work in Retirement, Can You Save in a Retirement Plan?
Yes! Well, probably. If you meet the requirements, there are multiple retirement plans you can choose from.
By Evan T. Beach, CFP®, AWMA® Published
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You've Just Inherited an IRA: What Do You Do Now?
The rules on inherited defined contribution plans (not just IRAs) seem like a moving target, but here’s what you need to know (as the rules stand now).
By Evan T. Beach, CFP®, AWMA® Published
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Four Reasons You Don’t Need a (Revocable) Trust
Sometimes a basic will, setting up TOD and POD designations and choosing beneficiaries for retirement accounts, life insurance and annuities will do the trick.
By Evan T. Beach, CFP®, AWMA® Published
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Four Reasons Retirees Need a (Revocable) Trust
Just because an estate attorney or ad recommends a revocable trust doesn’t mean you actually need one. However, maybe one of the following situations applies to you.
By Evan T. Beach, CFP®, AWMA® Published
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Should I Pay Off My Mortgage When I Retire?
retirement The answer for you depends on your interest rates and where you would pull the money from to do it. Here are some scenarios to help work it out.
By Evan T. Beach, CFP®, AWMA® Last updated
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Will You Have a Happy Retirement (Even With Enough Money)?
Before you retire, you should consider three non-financial essentials, such as who you are without your work, what your days will look like and who your friends are.
By Evan T. Beach, CFP®, AWMA® Published
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Which Retirement Accounts Should You Withdraw From First?
Here’s a standard order for when you should tap which account when you’re in retirement.
By Evan T. Beach, CFP®, AWMA® Published
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Leaving an Inheritance? Is It Better to Give to Kids Now or Later?
Retirees should secure themselves first, and if you’re all set there, then consider a few other things, such as the impact on the kids and tax issues.
By Evan T. Beach, CFP®, AWMA® Published
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Should I Sell or Rent My House When I Relocate for Retirement?
This decision isn’t easy, thanks to investment, tax and other considerations. Let’s explore the implications of each.
By Evan T. Beach, CFP®, AWMA® Published
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Find Out in 5 Minutes If You Have Enough to Retire
retirement It’s a common question these days: My portfolio is way down. Can I still afford to retire? To calculate a ballpark answer, here’s a quick and easy exercise.
By Evan T. Beach, CFP®, AWMA® Published
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Four Options When – Not If – Your LTC Premiums Go Up
long term care insurance If you’re dreading getting a letter in the mail about your long-term care insurance premiums rising, you’re in good company. And you have some decisions to make.
By Evan T. Beach, CFP®, AWMA® Published
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How the Latest Biden/House Tax Proposal Affects Millionaire Retirees
tax planning The current version of the Build Back Better plan shouldn’t be that scary for retirees with a net worth of $1 million to $5 million. In fact, there could be a pleasant surprise or two for them.
By Evan T. Beach, CFP®, AWMA® Published
tax planning