The Pensioner's Paradox

Substacknewsletter · by Phil Gaudiano, CPA · English

More money doesn't buy more security in retirement. Exploring the psychology and tax strategy that actually does.

Audience: 1K subscribers; Shown publicly on Substack
Observed frequency: Every two weeks; From 5 posts indexed in the last 90 days
Last post: Nov 1, 2026; 12 days ago
Likely audience: —

The Pensioner's Paradox is a Substack newsletter by Phil Gaudiano, CPA covering Roth IRA conversion rules, five-year rule mechanics and retirement planning. NewsletterFIT indexed 5 posts from it in the last 90 days, most recently on Nov 1, 2026. Shown publicly on Substack: 1K subscribers.

Topics

Roth IRA conversion rules
five-year rule mechanics
retirement planning
tax-free withdrawals

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