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Coordinate your Portfolio Withdrawals


Powerful tax planning opportunities are available to you in retirement. By thoughtfully coordinating your withdrawals from your portfolio, you can lower your tax bill.  Minimizing taxes over your lifetime maximizes your wealth to enjoy!

Begin by categorizing your retirement investment portfolio into distinct "pools” of assets:

  • Tax-deferred: Traditional IRA, 401k, 403b, TSP, SIMPLE, SEP and SAR-SEP IRAs
  • Tax-deferred with "basis”: Traditional IRAs or employer-sponsored plans funded with non-deductible after tax dollars and non-qualified annuities.
  • Tax-free: ROTH IRA, ROTH 401k, ROTH 403b, ROTH TSP
  • Non-qualified: non-retirement accounts owned individually or jointly

To get started, those age 70 ½ or older, must next calculate the Required Minimum Distributions from retirement accounts. 


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