Overview
Taxes don't stop in retirement — and rising rates can shrink your income exactly when you need it most. We design strategies that combine Roth accounts, life insurance cash value, and tax-efficient withdrawals so more of your retirement income stays yours.
What you can expect
- ◆Diversification across taxable, tax-deferred, and tax-free buckets
- ◆Roth conversion sequencing tied to your tax bracket
- ◆Cash value life insurance used the way the IRS allows
- ◆Withdrawal order designed to minimize lifetime taxes
Questions worth asking
- ?Is most of your retirement money still pre-tax?
- ?What happens to your taxes when RMDs begin?
- ?Do you have any tax-free income sources at all?