Creating Tax-Efficiency for Retirement Income

Workshop Title ThumbnailsCreating tax efficiency for retirement income

Hosted by Wade Pfau, PhD, CFA, RICP - Founder of Retirement Researcher.

The Basics of Income Taxes
Tax Diversification
Asset Location
Obtaining Tax Advantages for Taxable Assets
Withdrawals from Tax-Advantaged Retirement Plans
Tax-Efficient Retirement Distribution Strategies
Pitfalls to Monitor When Generating More Taxable Income
Other Planning Ideas
An Example for Tax Bracket Management
In our workshop, Creating Tax-Efficiency for Retirement Income, we will start with covering the basics of income tax and our progressive tax system. We will talk about tax advantages available in the tax code and how to create tax diversification between taxable, tax-deferred, and tax-exempt accounts. Then we talk about asset location, or how to position our assets between different types of accounts. We also mention how to obtain tax advantages for taxable assets that go beyond the space available in tax-deferred or tax-exempt accounts. We will also walk through a number of issues for tax-advantaged retirement accounts, including required minimum distributions, early withdrawal penalties and their exceptions, rollovers, transfers, Roth conversions, and the pro-rata rules for IRAs with non-deductible contributions. We also cover the rules for net unrealized appreciation on employer stock. At this point, we dive into tax-efficient retirement distributions, including tax bracket management, strategic Roth conversions, and long-term capital gains harvesting. We also cover pitfalls with generating more taxable income, including the Social Security tax torpedo, increased Medicare premiums, and the net investment income surtax. We also talk about other tax strategies related to charitable giving, and discuss the widow tax penalty about how taxes will likely increase after the death of a spouse. We will finish with a detailed example to show how more tax-efficient retirement distributions (strategic Roth conversions and tax bracket management) can extend retirement portfolio longevity significantly (by 6 years in the example).

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And did we mention our staff?

Wade Pfau, Ph.D., Alex Murguia, Ph.D., and Bob French CFA® represent some of the leading minds in the industry.

What makes them unique, however, is not their ability to lead the research agenda for the financial planning profession (Wade Pfau), create a leading financial planning software platform for the industry (Bob), or blend the best of academic research and practical application within a wealth management firm (Alex)...


...What makes Wade, Alex, and Bob unique is their ability to distill the best that the science of financial planning has to offer and to present it to you in a very approachable and friendly manner.

Kind of like what your favorite teacher would do back in high school or college.

This is their passion.

And did we mention our staff?

How much of your time would it take you to organize, synthesize, and continually curate all of this information?

How much would it cost you to hire a professional to do it for you?

Retirement Researcher Academy provides the best of both of these worlds and then some because over time you will also be able to piggy-back off of the community of Retirement Researchers that are also part of the Academy.

This is their passion.

You no longer have to worry about:

Keeping up with the latest financial planning research

Understanding how new tax laws (or any other laws) affect your plan

How current investment markets may affect your portfolio

How to navigate the financial professional landscape

Doing something markedly different from other people in your situation

Which assets to prioritize so you can appropriately budget time for each one.

The order of operations in completing each component of an asset to eliminate confusion.

We make it easy
for you by:

Researching and curating the best financial planning practices in an easy to understandable format and in accordance with your retirement income style

Providing frequent opportunities for discussion among our members through various workshops and Q&A formats.

Creating downloadable and easy to understand resources (e.g., calculators) tailor-made to practical retirement income issues.

Benchmarking your situation to other similar like-minded Retirement Researchers in our members-only forum.

While there is always room for an advisor, we also believe that individuals like to access financial advice differently and at their own pace.

The delivery of financial advice is changing,
and we are at its forefront.

Joining the Retirement Researcher community is a great way to develop, maintain, and engage in your retirement income plan by yourself, with a helping hand, and with a community of other like-minded folks.

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