The years between work and required withdrawals.
A free, considered guide to retirement planning. Built by Joshua Mangoubi, CFA, for anyone thinking about the next chapter, whether or not we ever work together.
Send me the first primer.
A 7-minute read on the most under-used planning window in a financial life. Plus an essay or conversation every couple of weeks. Unsubscribe any time.
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Four things most retirement plans never quite get right.
The Retirement Tax Window
Why the years between retirement and required minimum distributions are the most under-used planning window in a financial life. What's possible, what's commonly missed, and how to think about it.
Withdrawal Sequencing
How the order you draw down accounts (taxable, traditional, Roth) can shift your lifetime tax bill by six figures. Decisions to make in your fifties and sixties that quietly compound for decades.
The Behavior Question
Why most retirement plans fail on emotion before they fail on math. The patterns that consistently undermine otherwise sound financial decisions, and how to recognize them in yourself.
The Whole Picture
Coordinating investments, taxes, income, healthcare, estate, and family decisions together rather than in isolation. Why most advisors do one well and the rest poorly, and what to look for instead.
Joshua Mangoubi, CFA
MBA with High Honors from the University of Chicago Booth School of Business (2009). Chartered Financial Analyst. Former Partner and Portfolio Manager at Sanborn Kilcollin Partners, where I managed capital for Fortune 500 companies, pensions, endowments, and family offices.
The writing is the same set of ideas I bring to client conversations: the harder, more useful work that surrounds the investment piece.
From the library.
Questions readers ask before subscribing.
Is this really free?
Yes, fully. Considerate Capital works with a small number of advisory clients with a typical minimum of $2M in investable assets. The writing is independent of that practice. It is the firm's gift to a thoughtful reading audience.
Who is this for?
Pre-retirees and retirees who want to think clearly about the next chapter. The questions we explore are the same ones our advisory clients bring us (coordination, sequencing, behavior, the human side of money), written for a general reader rather than for a planning engagement.
Do I have to become a client?
No. The educational content is independent of the advisory practice. Many readers never speak with us, and that is the expected outcome. The writing is meant to be useful on its own.
What if I want to talk to a person?
If at any point you want to have a conversation about your situation, you can schedule one directly. The first call is informational only. No obligation, no sales pressure.
How do I get started?
Subscribe at the top of this page and we will send you the first primer, a 7-minute read on the retirement tax window. From there, you will receive an essay or conversation every couple of weeks. Unsubscribe any time.
A Considerate Retirement, in your inbox.
The primer first, then an essay or conversation every couple of weeks. No marketing, no promotion. Unsubscribe any time.
Send me the first primer.
Unsubscribe at any time.
Unsubscribe at any time. We never share or sell your address.
Or if you'd prefer to talk to a person, schedule a conversation.