Kelley's Bull Market News with Kelley Slaught
Oct 4, 2026 · 56 min · 33 segments
**Kelley talks about your retirement target date by not just the year but rather the month. She explains the importance of being very precise on when you retire in order to implement the best…
You know, we always think about the age we'll retire, so in other words, the year we retire.
What about the calendar month we retire? Uh, and, and how that, how can that affect taxes and, and benefits and healthcare and much more? Kelly, why should someone planning to retire, let's say, next year think about the month and not just the age?
So retirement timing can affect final wages, your bonuses, your unused paid time off, your healthcare deductibles, and your pension timing and your taxable income as well.
So the final paycheck, your benefit termination date, your Medicare eligibility, your pension start date, the first portfolio withdrawals, all these things matter, and they need to be coordinated as well.
You need to have professional wealth management on your side, in our view, to really help you navigate all of this.
So after working for decades, retirees really do deserve a departure date that's chosen intentionally rather than simply circling your birthday or-
Yeah
So, uh, uh, studies show that, uh, recently highlighted that the overlooked question of what time of year someone should retire is very important.
And maybe you'll miss out on a big bonus if you retire too soon, maybe in the middle of the year versus waiting to the end of the year.
And I have a client, she's probably listening right now, and this exact question came up.
She said, "I wanna re- retire at the end of 2027, and should I make it December 31st of 2027 or January 1st of 2028?"
Huh.
And we are working with the tax CPA about that and looking at all these things I just mentioned, the pensions, the bonuses, the paid time off, all of these things we're looking at to make sure she's taking the best advantage she can of any of those kind of situations.
Yeah, I mean, that's a really good question, too.
And, you know, you need to have the professional wealth manager on your side because a lot of times people don't think about that.
Uh-huh
... and they don't think about, well, what am I missing out on if I do that? Uh, so let's make sure we're, we've got all this covered for you.
What a difference a couple of days could even make there.
You know, we always think about the age we'll retire, so in other words, the year we retire.
What about the calendar month we retire? Uh, and, and how that, how can that affect taxes and, and benefits and healthcare and much more? Kelly, why should someone planning to retire, let's say, next year think about the month and not just the age?
So retirement timing can affect final wages, your bonuses, your unused paid time off, your healthcare deductibles, and your pension timing and your taxable income as well.
So the final paycheck, your benefit termination date, your Medicare eligibility, your pension start date, the first portfolio withdrawals, all these things matter, and they need to be coordinated as well.
You need to have professional wealth management on your side, in our view, to really help you navigate all of this.
So after working for decades, retirees really do deserve a departure date that's chosen intentionally rather than simply circling your birthday or-
Yeah
So, uh, uh, studies show that, uh, recently highlighted that the overlooked question of what time of year someone should retire is very important.
And maybe you'll miss out on a big bonus if you retire too soon, maybe in the middle of the year versus waiting to the end of the year.
And I have a client, she's probably listening right now, and this exact question came up.
She said, "I wanna re- retire at the end of 2027, and should I make it December 31st of 2027 or January 1st of 2028?"
Huh.
And we are working with the tax CPA about that and looking at all these things I just mentioned, the pensions, the bonuses, the paid time off, all of these things we're looking at to make sure she's taking the best advantage she can of any of those kind of situations.
Yeah, I mean, that's a really good question, too.
And, you know, you need to have the professional wealth manager on your side because a lot of times people don't think about that.
Uh-huh
... and they don't think about, well, what am I missing out on if I do that? Uh, so let's make sure we're, we've got all this covered for you.
What a difference a couple of days could even make there.
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