Withdrawal Strategy
Concentrated positions and what to do about them
A large holding in one company is the most common serious portfolio problem, and unwinding it has a tax cost that makes people freeze.
Topic
tax
Every Retirement Wealth Planner article tagged tax — 7 pieces across 4 sections.
Social Security
The taxation of Social Security benefits
A formula that catches more people every year, and produces effective marginal rates higher than the published brackets.
Accounts & Vehicles
Health savings accounts as a retirement vehicle
The only account with three layers of tax advantage, and most holders use it as a spending account instead.
Taxes in Retirement
How retirement income is actually taxed
Different income sources are treated differently, and the interactions between them produce effective rates that surprise people.
Taxes in Retirement
Required minimum distributions and planning around them
Forced withdrawals from tax-deferred accounts are the most predictable tax event in retirement, and the planning happens years earlier.
Withdrawal Strategy
Which account to draw from first
The conventional sequencing advice is a reasonable default that is wrong for a substantial number of people.
Accounts & Vehicles
Traditional or Roth: what the decision actually turns on
The choice reduces to a comparison of tax rates now against tax rates later, with several complications that matter more than the headline.