Withdrawal Strategies

marginal vs effective tax rate

Marginal vs Effective Tax Rate in Retirement

Knowing the difference between your marginal vs effective tax rate is an important element of tax planning. When you understand your tax rate, you’ll be able to incorporate that into an integrated retirement withdrawal plan. The ability to properly manage your tax bill can save you thousands of dollars. It can also dramatically improve your …

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Sustainable Retirement Withdrawals from the S&P 500 in a Taxable Account

Sustainable Retirement Withdrawals from the S&P 500 in a Taxable Account

The idea for this article comes from a question submitted by a reader. I’ve copied the question below, and omitted the names to protect the innocent. (No animals were harmed in the creation of this article.) The question: Let me start by saying, I totally enjoy reading your articles/post! Do you have any information on …

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Retired couple relying on dividends for retirement income

What are the Risks of Relying on Dividends for Retirement Income?

What are the risks of relying on  dividends for retirement income? Like most things used in moderation there isn’t anything wrong with dividends, or the stocks that pay them.  In fact, higher-dividend paying stocks are usually older, established, and strong companies. They can be good components of retirement income plans and help provide some diversification …

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How to protect your portfolio with a variable withdrawal strategy

How to protect your portfolio with a variable withdrawal strategy

One of the key considerations in a retirement income plan is the amount of money that you will withdraw from an investment portfolio. Your decision regarding  how much income to take from your retirement account necessitates that you strike a balance between current consumption and future account value. In simple language, this means that you …

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