1. Tax Efficient Distributions
Customizable slides to be used with prospects and clients in seminars/webinars/presentations
High level education and case study
Graphs pulled from RightCapital to help tell the story
Ed 10/7/2016

2. Tax Efficient Retirement Distributions
Your strategy for withdrawing retirement assets is as important as your strategy for accumulating them
A thorough financial plan should illustrate
Which accounts money should be taken from
Taxable
Tax deferred
Tax free
In what order
What conversion opportunities exist to maximize efficiency
A customized tax efficient distribution strategy can save you significant value and extend the time horizon of your retirement assets

3. Case Study - Meet the Brady's
Mike and Amanda: married
Current ages: /54
Target retirement age: 65/65
Salary: $200,000/ $100,000
Social Security: /70
Monthly expenses in retirement : $10,000
Invested assets: $ 1.5mm qualified
$ 100,000 non qualified

4. Tax brackets during retirement can be surprising
Higher taxable income
in later years of retirement
Low taxable income between
retirement and age 70
RMD’s and Social Security
drive up taxable income starting at age 70

5. Large IRA Distributions drive up tax brackets
Years with
high tax rates
Years with
low tax rates

6. Smooth out the tax liability with Roth conversions
Less taxable income when tax rates are higher
Intelligent Roth conversions to fill up the tax bracket