Don’t Let Taxes Dim Your Retirement: How to Plan Ahead with Your ‘Tax Bucket List’

Whether you realize it or not, your money is sitting in three different tax “buckets.” To save on taxes throughout retirement, make sure to fill up your tax-free bucket. Here are two ways to do that.

Three red buckets hang on pegs.
(Image credit: Getty Images)

Taxes are on the minds of many this time of year with the filing deadline looming. But too often, people think about taxes only on a one-year-at-a-time basis, forgetting or putting off the need to adjust their strategy for future years – most importantly, their retirement.

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Neither the firm nor its agents or representatives may give tax or legal advice. Individuals should consult with a qualified professional for guidance before making any purchasing decisions. Life insurance policies are contracts between your client and an insurance company. Life insurance guarantees rely on the financial strength and claims-paying ability of the issuing insurer. This article is intended for informational purposes only. It is not intended to be used as the sole basis for financial decisions, nor should it be construed as advice designed to meet the particular needs of an individual’s situation. Insurance offered through J. Biance Financial, 545 S. Pine Street Sebring, FL 33870 863-304-8959. Investment advisory services offered only by duly registered individuals through AE Wealth Management, LLC (AEWM). AEWM and J. Biance Wealth Management are not affiliated companies. 01232363 03/22


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Justin Biance, Certified Estate Planner
Principal, J. Biance Financial

Justin M. Biance, a Certified Estate Planner and principal at J. Biance Financial (,  is the author of  "Designed to Last: Renovate Your Financial House and Retire With Confidence" and “The Great Inheritance: 7 Steps to Leaving Behind More Than Your Money.” He specializes in multigenerational legacy planning and creating tax-efficient strategies for transferring wealth to heirs.