Root Talks: How Should I Split Retirement Withdrawals Between Pretax and Roth Accounts?

Ready For Retirement

Content provided by James Conole, CFP® and James Conole. All podcast content including episodes, graphics, and podcast descriptions are uploaded and provided directly by James Conole, CFP® and James Conole or their podcast platform partner. If you believe someone is using your copyrighted work without your permission, you can follow the process outlined here https://podcastplayer.com/legal.

3M ago 24:34

MP3•Episode home

In this episode, we're talking about the importance of a strategic withdrawal plan in retirement to keep taxes in check and set you up for long-term financial stability. Ari and I break down why a simple 50/50 split between traditional and Roth accounts isn't enough—you need to plan based on your tax situation and future needs. Using a listener's example, we walk you through how to think about tax brackets, required minimum distributions (RMDs), and when it might make sense to convert funds to a Roth IRA.
We also discuss the role of asset location—putting riskier investments in Roth accounts for tax-free growth and stable investments in traditional IRAs for withdrawals. It’s all about balancing tax strategies with your lifestyle goals. At Root, we prioritize your purpose first, and we encourage you to explore our resources, like our podcasts, YouTube channel, and community, to learn more about smart retirement planning.

Submit your request to join James:
On the Ready For Retirement podcast: Apply Here
On a Retirement Makeover episode: Apply Here

Timestamps:
0:00 - The comment that prompted this chat
2:39 - Run some projections
5:14 - The benefit of Roth
7:31 - Asset location and allocation
10:07 - Root reserves
13:50 - More often than not
15:22 - Tax insurance
17:17 - Cart before the horse?
19:30 - It starts with purpose
21:33 - Where to find James and Ari
Create Your Custom Strategy ⬇️

Get Started Here.
Join the new Root Collective HERE!

Chapters

1. Withdrawal Strategy in Retirement (00:00:00)

2. Strategic Asset Allocation and Tax Planning (00:06:53)

3. Tax Planning for Retirement Strategy (00:14:01)

4. Financial Planning Disclaimer Information (00:23:35)

285 episodes

#Trading #Business #Podcasting Education #James Conole, CFP® #James Conole #Retirement Planning #Investing #Tax Planning #Investment Planning #Retirement #Dividend Investing #Stock #Bond #Cash