Retirement Income and Distribution Strategies

Free CFP Exam lesson in Retirement Savings and Income Planning. 17 min read, ~2,557 words.

Withdrawal sequencing minimizes lifetime taxes; compare current versus future rates, not just this year's bill. The conventional order (taxable, tax-deferred, Roth) is only a starting point; gap years override it. Gap years between retirement and RMDs are the prime window for the triple play: IRA bracket-filling, 0% LTCG harvesting, and...