The 5 D's of Retirement Planning

Phil's Tax Hacks · Jul 23, 2026 · 18m

According to a recent Kiplinger article, there are five keys to a retirement plan that hold up over time. They all happen to start with the same letter, which either means it's a great framework or someone really wanted it to work out that way. In this episode, Phil walks through the “5 D’s” of retirement planning and how each one plays a role in helping retirees build a plan that can hold up over time.

Here’s some of what we discuss in this episode:

📊 Smart Diversification: Separate growth and income assets

🧾 Tax Diversification: Build flexibility across tax buckets

⏳ Plan Duration: Make…