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: https://www.riverbendinvestments.com/talk
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