Month: May 2026

The mistake in most early-retirement conversations is that they treat SEPP, Roth conversion ladders, taxable brokerage, and Roth accounts like separate strategies competing against each other. That is not how I see it. The solution is not to randomly blend everything together and call it a hybrid. The solution is to build the 10-Bucket SEPP…

The 10-Bucket SEPP Method was not born from trying to force two strategies together that were never meant to touch. It came from frustration, curiosity, and studying what the rules actually say. I was looking at the early-retirement conversation and kept seeing the same debate show up over and over again: Roth conversion ladder versus…