What Order Should I Pull Funds in Retirement? | The Limitless Retirement Podcast
Update: 2025-09-16
Description
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Many retirees unknowingly set themselves up for higher taxes by following outdated withdrawal advice. Danny Gudorf explains why focusing on tax brackets—not account order—is the smarter path. His three-bucket strategy, combined with careful management of RMDs and Social Security, offers a practical way to minimize taxes and maximize retirement income.
Key Takeaways
- The order of withdrawals in retirement affects lifetime taxes.
- Filling tax brackets strategically can save significant money.
- Roth IRAs should be preserved for as long as possible.
- Required minimum distributions can push retirees into higher tax brackets.
- Social Security benefits can be taxed based on other income.
- Understanding tax brackets gives retirees control over their taxes.
- Tax bracket arbitrage can optimize tax situations.
- It's essential to manage overall income levels in retirement.
- Working with a financial planner can enhance tax efficiency.
- Long-term tax optimization is key to retirement planning.
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