PHI Group Inc (PHIL)

[saving_ryan]

Many different ways around SOME tax implications, but most of it revolves around earned income. Building a Roth IRA conversion ladder is one of those. Regardless of age, if you have 0 earned income, then you can, after 5 years, start distributing up to the standard deduction tax free.

In addition, with current rules, depending on married or single, you can take capital gains/qualified dividends up to a certain amount tax free as well...as long as you have 0 earned income.

So essentially, build your ladder for 5 years, then retire and start taking the roth withdrawals and selling some stock/taking dividends up to the 0% limit. This would allow for an almost tax free situation, but it would take quite awhile to fully implement.

I would certainly speak to a tax professional about it though. All the different tax loopholes are extremely complex.