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The Safe Descent | The Order Matters: Decumulation Sequencing
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The Safe Descent | The Order Matters: Decumulation Sequencing
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You could have the perfect retirement portfolio — top-tier funds, ideal
asset allocation — and still quietly hand over a quarter of a million
dollars to the IRS without ever noticing. Not through bad investing.
Through the order you spend it in.
In this Season 2 opener, two hosts unpack why almost nobody has an
actual plan for withdrawing retirement money — only for saving it — and
why the "spend taxable accounts first" default can quietly backfire by
ignoring the pre-RMD window, the years between retirement and 73 when tax brackets are often at their lowest. Then the case study: Richard and Carol, identical assets, identical income need, a $230,000 difference in lifetime taxes based on sequence alone. Plus the four practical steps to actually build one, and what happens to unmanaged accounts once they pass to the next generation.
This is a companion series exploring ideas from The Income Standard,
hosted by Tod Long. Hear Tod himself, in his own voice, on the flagship
show — link below.
theincomestandard.com