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Brad Pistole breaks down one of the biggest challenges of retiring before age 65 — managing healthcare costs before Medicare begins. He uses a real-life example of a couple to show how strategic tax and income planning can drastically reduce insurance premiums, saving them over $18,000 a year. Brad explains how coordinating withdrawals from brokerage, Roth, and traditional IRA accounts can unlock Affordable Care Act subsidies while also lowering long-term tax liability.

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