Tax-Efficient Retirement Planning
Retirement moves you from earning to withdrawing, and the tax question changes shape with it.
Money in a sheltered account, a taxable account and a Roth account is not the same money once tax is counted. Which one you touch first shapes what is left.
We look at the years ahead as a sequence rather than one at a time, including the quiet years before withdrawals become compulsory.
What this covers
What tax-efficient retirement work covers
1
Order of withdrawals
2
The years before withdrawals are required
3
Conversions along the way
4
Effect on other thresholds
Talk it through before you decide anything.
Tell us where you are and what you are trying to protect.