Retirement Income and Distribution Strategies

Free CFP Exam lesson in Retirement Savings and Income Planning. 16 min read, ~2,423 words.

Withdrawal sequencing minimizes lifetime taxes, compare current versus future rates, not just this year's bill. Gap years between retirement and RMDs are the most valuable window for Roth conversions. Social Security delay adds 8% per year from FRA to 70 and sets the survivor benefit floor. The bucket strategy insulates...