Valent Wealth的动态

?? A few years ago, there were ads from financial services companies asking, “What’s your number?” #?? The “number” represents the amount of money you need to retire comfortably. While this question may have been an effective way to spark conversations about retirement, we believe that it doesn’t paint the complete picture. One of the most important parts of orchestrating your retirement income strategy is determining which assets to take and in which order. There is no one formula; every situation is unique, but there are some general guidelines that can help when creating a withdrawal strategy. For example, one approach to consider is withdrawing money from taxable accounts first, then tax-deferred, then tax-exempt. By using taxable money first, you can avoid paying taxes as long as possible with tax-deferred investments—and your tax-exempt accounts remain tax-exempt for a longer period. Ultimately, your decision will be influenced by a wide range of other considerations, including withdrawal fees, surrender charges, and other costs that may be associated with each specific account. However, when possible, consider using the power of tax deferral and tax exemption to your advantage. There’s a lot to consider, but you don’t need to figure this out on your own. With this post, we are pointing out some high-level concepts. It’s not a replacement for real-life advice. Your tax, legal, and accounting professionals may also have some additional insights into the tax implications of certain withdrawal decisions. If you would like to review your current plans to make sure you’re on track, please send us a message. ???? #RetirementStrategy #FinancialPreparation #RetirementIncome

?? A few years ago, there were ads from financial services companies asking, “What’s your number?” #?? The “number” represents the amount of money you need to retire comfortably. While this question may have been an effective way to spark conversations about retirement, we believe that it doesn’t paint the complete picture. One of the most important parts of orchestrating your retirement income strategy is determining which assets to take and in which order. There is no one formula; every situation is unique, but there are some general guidelines that can help when creating a withdrawal strategy. For example, one approach to consider is withdrawing money from taxable accounts first, then tax-deferred, then tax-exempt. By using taxable money first, you can avoid paying taxes as long as possible with tax-deferred investments—and your tax-exempt accounts remain tax-exempt for a longer period. Ultimately, your decision will be influenced by a wide range of other considerations, including withdrawal fees, surrender charges, and other costs that may be associated with each specific account. However, when possible, consider using the power of tax deferral and tax exemption to your advantage. There’s a lot to consider, but you don’t need to figure this out on your own. With this post, we are pointing out some high-level concepts. It’s not a replacement for real-life advice. Your tax, legal, and accounting professionals may also have some additional insights into the tax implications of certain withdrawal decisions. If you would like to review your current plans to make sure you’re on track, please send us a message. ???? #RetirementStrategy #FinancialPreparation #RetirementIncome

?? A few years ago, there were ads from financial services companies asking, “What’s your number?” #?? The “number” represents the amount of money you need to retire comfortably. While this question may have been an effective way to spark conversations about retirement, we believe that it doesn’t paint the complete picture. One of the most important parts of orchestrating your retirement income strategy is determining which assets to take and in which order. There is no one formula; every situation is unique, but there are some general guidelines that can help when creating a withdrawal strategy. For example, one approach to consider is withdrawing money from taxable accounts first, then tax-deferred, then tax-exempt. By using taxable money first, you can avoid paying taxes as long as possible with tax-deferred investments—and your tax-exempt accounts remain tax-exempt for a longer period. Ultimately, your decision will be influenced by a wide range of other considerations, including withdrawal fees, surrender charges, and other costs that may be associated with each specific account. However, when possible, consider using the power of tax deferral and tax exemption to your advantage. There’s a lot to consider, but you don’t need to figure this out on your own. With this post, we are pointing out some high-level concepts. It’s not a replacement for real-life advice. Your tax, legal, and accounting professionals may also have some additional insights into the tax implications of certain withdrawal decisions. If you would like to review your current plans to make sure you’re on track, please send us a message. ???? #RetirementStrategy #FinancialPreparation #RetirementIncome

?? A few years ago, there were ads from financial services companies asking, “What’s your number?” #?? The “number” represents the amount of money you need to retire comfortably. While this question may have been an effective way to spark conversations about retirement, we believe that it doesn’t paint the complete picture. One of the most important parts of orchestrating your retirement income strategy is determining which assets to take and in which order. There is no one formula; every situation is unique, but there are some general guidelines that can help when creating a withdrawal strategy. For example, one approach to consider is withdrawing money from taxable accounts first, then tax-deferred, then tax-exempt. By using taxable money first, you can avoid paying taxes as long as possible with tax-deferred investments—and your tax-exempt accounts remain tax-exempt for a longer period. Ultimately, your decision will be influenced by a wide range of other considerations, including withdrawal fees, surrender charges, and other costs that may be associated with each specific account. However, when possible, consider using the power of tax deferral and tax exemption to your advantage. There’s a lot to consider, but you don’t need to figure this out on your own. With this post, we are pointing out some high-level concepts. It’s not a replacement for real-life advice. Your tax, legal, and accounting professionals may also have some additional insights into the tax implications of certain withdrawal decisions. If you would like to review your current plans to make sure you’re on track, please send us a message. ???? #RetirementStrategy #FinancialPreparation #RetirementIncome

?? A few years ago, there were ads from financial services companies asking, "What's your number?" #?? The "number" represents the amount of money you need to retire comfortably. While this question may have been an effective way to spark conversations about retirement, we believe that it doesn't paint the complete picture. One of the most important parts of orchestrating your retirement income strategy is determining which assets to take and in which order. There is no one formula; every situation is unique, but there are some general guidelines that can help when creating a withdrawal strategy. For example, one approach to consider is withdrawing money from taxable accounts first, then tax-deferred, then tax-exempt. By using taxable money first, you can avoid paying taxes as long as possible with tax-deferred investments—and your tax-exempt accounts remain tax-exempt for a longer period. Ultimately, your decision will be influenced by a wide range of other considerations, including withdrawal fees, surrender charges, and other costs that may be associated with each specific account. However, when possible, consider using the power of tax deferral and tax exemption to your advantage. There's a lot to consider, but you don't need to figure this out on your own. With this post, we are pointing out some high-level concepts. It's not a replacement for real-life advice. Your tax, legal, and accounting professionals may also have some additional insights into the tax implications of certain withdrawal decisions. If you would like to review your current plans to make sure you’re on track, please send us a message. ???? #RetirementStrategy #FinancialPreparation #RetirementIncome

?? A few years ago, there were ads from financial services companies asking, "What's your number?" #?? The "number" represents the amount of money you need to retire comfortably. While this question may have been an effective way to spark conversations about retirement, we believe that it doesn't paint the complete picture. One of the most important parts of orchestrating your retirement income strategy is determining which assets to take and in which order. There is no one formula; every situation is unique, but there are some general guidelines that can help when creating a withdrawal strategy. For example, one approach to consider is withdrawing money from taxable accounts first, then tax-deferred, then tax-exempt. By using taxable money first, you can avoid paying taxes as long as possible with tax-deferred investments—and your tax-exempt accounts remain tax-exempt for a longer period. Ultimately, your decision will be influenced by a wide range of other considerations, including withdrawal fees, surrender charges, and other costs that may be associated with each specific account. However, when possible, consider using the power of tax deferral and tax exemption to your advantage. There's a lot to consider, but you don't need to figure this out on your own. With this post, we are pointing out some high-level concepts. It's not a replacement for real-life advice. Your tax, legal, and accounting professionals may also have some additional insights into the tax implications of certain withdrawal decisions. If you would like to review your current plans to make sure you’re on track, please send us a message. ???? #RetirementStrategy #FinancialPreparation #RetirementIncome

?? A few years ago, there were ads from financial services companies asking, "What's your number?" #?? The "number" represents the amount of money you need to retire comfortably. While this question may have been an effective way to spark conversations about retirement, we believe that it doesn't paint the complete picture. One of the most important parts of orchestrating your retirement income strategy is determining which assets to take and in which order. There is no one formula; every situation is unique, but there are some general guidelines that can help when creating a withdrawal strategy. For example, one approach to consider is withdrawing money from taxable accounts first, then tax-deferred, then tax-exempt. By using taxable money first, you can avoid paying taxes as long as possible with tax-deferred investments—and your tax-exempt accounts remain tax-exempt for a longer period. Ultimately, your decision will be influenced by a wide range of other considerations, including withdrawal fees, surrender charges, and other costs that may be associated with each specific account. However, when possible, consider using the power of tax deferral and tax exemption to your advantage. There's a lot to consider, but you don't need to figure this out on your own. With this post, we are pointing out some high-level concepts. It's not a replacement for real-life advice. Your tax, legal, and accounting professionals may also have some additional insights into the tax implications of certain withdrawal decisions. If you would like to review your current plans to make sure you’re on track, please send us a message. ???? #RetirementStrategy #FinancialPreparation #RetirementIncome

?? A few years ago, there were ads from financial services companies asking, "What's your number?" #?? The "number" represents the amount of money you need to retire comfortably. While this question may have been an effective way to spark conversations about retirement, we believe that it doesn't paint the complete picture. One of the most important parts of orchestrating your retirement income strategy is determining which assets to take and in which order. There is no one formula; every situation is unique, but there are some general guidelines that can help when creating a withdrawal strategy. For example, one approach to consider is withdrawing money from taxable accounts first, then tax-deferred, then tax-exempt. By using taxable money first, you can avoid paying taxes as long as possible with tax-deferred investments—and your tax-exempt accounts remain tax-exempt for a longer period. Ultimately, your decision will be influenced by a wide range of other considerations, including withdrawal fees, surrender charges, and other costs that may be associated with each specific account. However, when possible, consider using the power of tax deferral and tax exemption to your advantage. There's a lot to consider, but you don't need to figure this out on your own. With this post, we are pointing out some high-level concepts. It's not a replacement for real-life advice. Your tax, legal, and accounting professionals may also have some additional insights into the tax implications of certain withdrawal decisions. If you would like to review your current plans to make sure you’re on track, please send us a message. ???? #RetirementStrategy #FinancialPreparation #RetirementIncome

?? A few years ago, there were ads from financial services companies asking, "What's your number?" #?? The "number" represents the amount of money you need to retire comfortably. While this question may have been an effective way to spark conversations about retirement, we believe that it doesn't paint the complete picture. One of the most important parts of orchestrating your retirement income strategy is determining which assets to take and in which order. There is no one formula; every situation is unique, but there are some general guidelines that can help when creating a withdrawal strategy. For example, one approach to consider is withdrawing money from taxable accounts first, then tax-deferred, then tax-exempt. By using taxable money first, you can avoid paying taxes as long as possible with tax-deferred investments—and your tax-exempt accounts remain tax-exempt for a longer period. Ultimately, your decision will be influenced by a wide range of other considerations, including withdrawal fees, surrender charges, and other costs that may be associated with each specific account. However, when possible, consider using the power of tax deferral and tax exemption to your advantage. There's a lot to consider, but you don't need to figure this out on your own. With this post, we are pointing out some high-level concepts. It's not a replacement for real-life advice. Your tax, legal, and accounting professionals may also have some additional insights into the tax implications of certain withdrawal decisions. If you would like to review your current plans to make sure you’re on track, please send us a message. ???? #RetirementStrategy #FinancialPreparation #RetirementIncome

?? A few years ago, there were ads from financial services companies asking, "What's your number?" #?? The "number" represents the amount of money you need to retire comfortably. While this question may have been an effective way to spark conversations about retirement, we believe that it doesn't paint the complete picture. One of the most important parts of orchestrating your retirement income strategy is determining which assets to take and in which order. There is no one formula; every situation is unique, but there are some general guidelines that can help when creating a withdrawal strategy. For example, one approach to consider is withdrawing money from taxable accounts first, then tax-deferred, then tax-exempt. By using taxable money first, you can avoid paying taxes as long as possible with tax-deferred investments—and your tax-exempt accounts remain tax-exempt for a longer period. Ultimately, your decision will be influenced by a wide range of other considerations, including withdrawal fees, surrender charges, and other costs that may be associated with each specific account. However, when possible, consider using the power of tax deferral and tax exemption to your advantage. There's a lot to consider, but you don't need to figure this out on your own. With this post, we are pointing out some high-level concepts. It's not a replacement for real-life advice. Your tax, legal, and accounting professionals may also have some additional insights into the tax implications of certain withdrawal decisions. If you would like to review your current plans to make sure you’re on track, please send us a message. ???? #RetirementStrategy #FinancialPreparation #RetirementIncome