Go offline with the Player FM app!
Which Retirement Accounts Should You Withdraw from First?
Manage episode 488539474 series 1507600
You’ve climbed the mountain and now it’s time to come down. In retirement, the question shifts from “Where should I invest?” to “Which account do I take money from first?” It’s not just about risk, but timing, taxes, and long-term flexibility. In this episode, Nick and Jake walk through the three major account types, pre-tax, Roth, and after-tax, and explain how withdrawing from the wrong one at the wrong time could cost you thousands.
They discuss sequence of returns risk, why market losses in early retirement are so dangerous, and how to avoid "catching a falling knife" by planning withdrawals with both market and tax efficiency in mind. If you want your money to last, and your tax bill to potentially shrink, this conversation offers a simple framework for smarter decisions in the withdrawal phase.
Here’s what we discuss in this episode:
💰 Pre-tax, Roth, and after-tax: what’s the difference?
📉 The danger of selling during a downturn
🧾 Why tax timing is just as important as returns
📊 Use each account for what it’s best for
🔒 Building safety nets before the market turns
Our website: https://johnsonbrunetti.com/
Phone: 800-208-7233
Contact our team: https://johnsonbrunetti.com/contact-us/
Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form
Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/
Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/
Check us out on YouTube: https://bit.ly/3CcAzai
226 episodes
Manage episode 488539474 series 1507600
You’ve climbed the mountain and now it’s time to come down. In retirement, the question shifts from “Where should I invest?” to “Which account do I take money from first?” It’s not just about risk, but timing, taxes, and long-term flexibility. In this episode, Nick and Jake walk through the three major account types, pre-tax, Roth, and after-tax, and explain how withdrawing from the wrong one at the wrong time could cost you thousands.
They discuss sequence of returns risk, why market losses in early retirement are so dangerous, and how to avoid "catching a falling knife" by planning withdrawals with both market and tax efficiency in mind. If you want your money to last, and your tax bill to potentially shrink, this conversation offers a simple framework for smarter decisions in the withdrawal phase.
Here’s what we discuss in this episode:
💰 Pre-tax, Roth, and after-tax: what’s the difference?
📉 The danger of selling during a downturn
🧾 Why tax timing is just as important as returns
📊 Use each account for what it’s best for
🔒 Building safety nets before the market turns
Our website: https://johnsonbrunetti.com/
Phone: 800-208-7233
Contact our team: https://johnsonbrunetti.com/contact-us/
Get your customized Money Map: https://johnsonbrunetti.com/your-money-map/#form
Join us for our next financial workshop: https://johnsonbrunetti.com/financial-workshops/
Check out our other no-cost financial resources here: https://johnsonbrunetti.com/financial-resources/
Check us out on YouTube: https://bit.ly/3CcAzai
226 episodes
All episodes
×Welcome to Player FM!
Player FM is scanning the web for high-quality podcasts for you to enjoy right now. It's the best podcast app and works on Android, iPhone, and the web. Signup to sync subscriptions across devices.