Tax Efficient Retirement Distribution Case Study

Meet the Smiths

(fictitious name to keep client information private)

Davide and Kelly — married

Current Ages — 56/54

Target Retirement Age — 65/65

Salary — $200K/$50K

Social Security — 70

Monthly Expenses in Retirement — $9K

Invested Assets —  $1.0 MM qualified
$100K non-qualified


The Challenge: Maximizing Retirement Distributions

The strategy for withdrawing retirement assets is as important as the strategy for accumulating them.

Three Strategies To Consider


Tax Brackets During Retirement Can Be Surprising


IRA Distributions Can Drive Up Tax Brackets

Smoothing Out The Tax Liability

What to do Next

If you would like to get a better understanding of your retirement saving and planning options, feel free to reach out to me. You can schedule a complimentary strategy call with me here:

We can review your current retirement plan to see if an optimization strategy would be beneficial to you.

John Rothe

Founder & Chief Investment Strategist

Riverbend Investment Management