The Retirement Withdrawal Strategy Most People Miss
Patrick Thompson
In this episode, I walk through how a retirement withdrawal strategy works and why it’s often overlooked.
Most retirement portfolios include a mix of:
- Tax-deferred accounts like IRAs and 401(k)s
- Taxable brokerage accounts
- Tax-free accounts like Roth IRAs
Each of these is treated differently from a tax standpoint.
Which means withdrawals aren’t just about generating income. They’re about coordinating where that income comes from.
Over time, that coordination can have a meaningful impact on how efficient your plan is.
If you want a deeper breakdown, I’ve outlined this more fully here:
This is one piece of a much bigger picture.
If you’re within 5–10 years of retirement, I put together the Retirement Transition Field Guide to walk through how income, taxes, and investments fit together.
Access the Retirement Transition Field Guide
This is Episode 3 of the 12-part Retirement Transition Series for those 5–10 years from retirement.
If you missed Episode 2 watch it here or move forward to Episode 3.
Ready to See What a Clear Plan Could Look Like for You?
If you’ve got 20 minutes and want an honest conversation about your retirement income and tax picture, let’s find out if we’re the right fit.