Retirement portfolios rarely stay simple. After decades of saving, you might enter retirement with a taxable brokerage account, traditional IRA, old 401(k), Roth IRA, cash reserves, and perhaps several smaller accounts from previous employers. Having…
More
Selling investments in retirement is not automatically a bad thing. In fact, carefully realizing capital gains can be one of the most useful tools for turning a portfolio into dependable retirement income. The challenge is…
More
Paying the lowest possible tax bill this year sounds like a smart retirement strategy. Surprisingly, it can sometimes make your lifetime tax bill larger. Imagine retiring with substantial savings in a traditional IRA. During the…
More
Retirement withdrawals are not just about deciding how much money you need this year. Where that money comes from can determine how much of it you actually get to spend. Take two retirees who each…
More
Retirement planning is not only about how much money your portfolio earns. What really matters is how much of that money you can actually spend after taxes. Two retirees with identical $1 million portfolios can…
More