Kurt Supe, CPA & Retirement Planner (@KurtSupeCPA) / X

Kurt Supe, CPA & Retirement Planner

3,168 posts

Kurt Supe, CPA & Retirement Planner

@KurtSupeCPA

We help diligent savers 50+ create a clear retirement plan for tax-smart income they won’t outlive. Confident spending. Predictable outcomes. TWEETS NOT ADVICE

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creativefinancialgrp.com/cfg-start-here/

Joined October 2023

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Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
May 7
I'm Kurt Supe, CPA and Retirement Planner. Co-founder of Creative Financial Group, headquartered in Indianapolis. We serve retirees and pre-retirees across the country. For nearly 30 years I've focused on one thing. Helping people turn what they've built into retirement income
Start Here - Creative Financial Group
From creativefinancialgrp.com
1.1M
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Nov 7, 2025
Client's mom died with a $1.2M house and a will: "Split everything equally among my 3 children." Two years later, the siblings don't speak. What went wrong: One daughter lived there caring for mom for 5 years. Wanted to keep the house. The other two: "We want our $400K now."
2.5M
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Nov 8, 2025
Watching a couple argue over a $12K trip to Italy. "That's too much," he said. They have $3.9M. Their plan shows they'll end with $4.5M at age 95. The math says spend. The spreadsheet says spend. I said spend. But 35 years of "save, don't spend" doesn't shut off overnight.
1.2M
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Nov 12, 2025
He remarried at 68. Blended family. His kids from first marriage, her kids from hers. No prenup. "We trust each other." He died at 74. She inherited everything under state law. His kids? Got nothing. She changed the beneficiaries to her children. His $1.8M estate went to a
389K
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Nov 13, 2025
A couple bought a $650K vacation home at 62. "We'll use it all the time in retirement." Down payment: $130K (20%) Mortgage: $2,900/month Property taxes: $15K/year Insurance: $4,500/year Maintenance: $8K/year Utilities: $3,600/year HOA: $2,400/year Annual cost: $68,300. Over 10
575K
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Aug 20, 2025
Kurt Vonnegut once told this story about his friend Joseph Heller—the author of Catch-22, one of the best-selling novels of the 20th century. At a billionaire’s party, Vonnegut said: “This hedge fund manager made more in one day than you made from Catch-22 in your entire life.”
1.3M
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Nov 10, 2025
He donated $30,000 to charity last year from his checking account. Tax benefit: $0. (He took the standard deduction.) He came to me wondering why his CPA said he "wasted" the deduction. This year, same $30K donation. But from his IRA using a QCD (Qualified Charitable
37K
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Nov 1, 2025
"Should I take the lump sum or the monthly pension?" He took the $850K lump sum instead of $4,200/month for life. Said he wanted “control.” Two years later, it’s down to $520K. He blew through the money on vacations, home upgrades, and helping adult kids. If he’d taken the
73K
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Oct 31, 2025
Replying to @JacobKinge
It absolutely has utility: Portability: Move $1M across borders in seconds with just a seed phrase. Try doing that with gold or cash. Storage: Costs virtually nothing to store compared to physical assets or real estate. Scarcity: Fixed supply of 21M coins. No government can
15K
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Oct 30, 2025
A husband and wife came into my office with $890K IRA. No listed beneficiary. The kids are about to lose $120K unnecessarily. Here's what happens when you don't name beneficiaries: IRA goes to your estate (probate required) Estate pays creditors first Potential 5-year
24K
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Nov 11, 2025
She called me in tears. "I owe $14,000 more in taxes than I thought." Here's what happened: $50,000 Social Security. $70,000 IRA withdrawal. She calculated taxes on $70K. Seemed simple. But every dollar from her IRA made $0.85 of her Social Security taxable. Her actual
48K
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Nov 10, 2025
At 73, the IRS makes you start spending your IRA. Whether you want to or not. At 80, they make you spend even more. At 85, even more. By 90, you're forced to pull money you don't need, pay taxes you could've avoided, and watch your legacy shrink. RMDs don't care about your
29K
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Nov 12, 2025
Financial advisors in your 40s: "Max out your 401(k)!" Financial advisors in your 60s: "We need to get money OUT of that 401(k)!" What changed? You spent 30 years building a tax bomb. Now we're trying to defuse it before RMDs hit at 73. The advice that worked at 45 creates
108K
Kurt Supe, CPA & Retirement Planner
@KurtSupeCPA
Nov 12, 2025
Replying to @GarretD757
Yes, it is terrible and causes unrepairable harm to the families.
23K