Planning for Retirement

The first step in retirement planning is to analyze your assets and liabilities, and get a handle on whether the assets you have are going to provide enough income for you in retirement. Please be sure to watch the rest of our video seminar series.

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Sequence of Distributions

Among the fundamental questions you have to ask yourself in retirement is which assets to tap first, the winning or the losing accounts, the taxable assets or those which are tax deferred.

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Split IRA Strategy

The IRS does not require you to take your distribution from each of your accounts, but to take enough of an IRA distribution to meet your aggregate RMD.

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Defined Benefit vs Defined Contribution

Either your employer has set aside a defined amount of money that you will receive at retirement, or you determine your contribution and control your own investment strategy.

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IRA’s and Required Minimum Distributions

At age seventy and a half, the IRS says you are required to begin taking distributions from your IRA or IRA’s, and that is a factor of the account balance, your life expectancy, and the interest rate on the account.

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