(~5 min) Many retirees pay more than their "fair share" of taxes due to the misconception that taxes will be lower in retirement. Learn about the pitfalls of not having a plan for several tax "milestones" and how to avoid an unnecessarily high lifetime tax bill.
(~5 min) Your withdrawal strategy, or how you deplete your savings to fund retirement, can have material economic implications. Learn how to optimize your withdrawal strategy by exploiting changes to your marginal tax rates.
(~6 min) Learn about simple ways to add liquidity to your income plan that can have an outsized effect on reducing your risk.
(~5 min) Focusing on withdrawal rates ignores the interplay between lifetime portfolio and non-portfolio income, resulting in unnecessary spending sacrifices during the years retirees prefer to spend more -- early retirement.
(~5 min) Tremendous value can be lost, and unneeded sacrifices made in retirement when only focusing on "not running out of money." Downside risk protection is very important, but so is taking advantage if those extreme downside scenarios fail to materialize.
(~6 min) Traditional retirement planning cannot adapt to reality and focuses on answering the wrong question. "Reality-Based" retirement planning adapts to reality in real-time and not only answers the right question but can guide a retiree through retirement confidently.
(~7 min) What can one do to improve their retirement plan in the face of lower expected market returns besides working longer or spending less? Fortunately, there are five lesser-known solutions to consider that can significantly improve your retirement plan.
Roth IRA conversions are a powerful retirement planning tool that can create value by itself as well as unlock many other valuable retirement planning strategies. Don't miss your chance for 2022!
Of all the strategies that fall under the category of tax management, the development of an optimized retirement income strategy has the potential to yield the most significant benefit. Learn more about retirement income strategies, how to determine one, and the potential value of implementing one.
This case study shows in quantifiable terms the value of applying dynamic withdrawal rules to a retirement plan. See why dynamic withdrawal rules are among the most powerful tools in a retiree's tool chest.
Learn more about Donor Advised Funds (DAFs) and why they are such a popular retirement and tax planning tool for those with charitable intent.
Learn the approach we use to determine appropriate dynamic withdrawal rules and how we use them in practice to optimize your retirement plan.
While recent Morningstar research makes the claim your initial withdrawal rate should be well under 4.0%, I give you ten reasons why your initial withdrawal rate should be higher.
A properly constructed Roth IRA conversion strategy can be a powerful retirement planning tool. Learn the five fundamental economic drivers of value when considering a Roth IRA conversion strategy.
Annuities are neither inherently good nor bad. Annuities are just a retirement tool. Like any tool, they can be good or bad depending on their selection and usage.
Learn the difference between a Safe Withdrawal Rate and an Optimal Withdrawal Rate. Learn more about the factors that go into determining your Optimal Withdrawal Rate.
Learn what it is, why you need one, and how to create one. We provide a link to download an editable version of our Retirement Spending Plan tool.
The application of Dynamic Withdrawal Rules can do more for your retirement than all tax management strategies combined. Learn why you should consider employing this valuable retirement plan optimization strategy.
Several strategies can be considered to help you manage taxes in retirement. Material value can be created by adopting these strategies whether you do it yourself or with a financial advisor's help.
Adopting a dynamic rules-based approach to portfolio withdrawals can improve your lifetime income while also reducing your risk.