Can you follow the same retirement withdrawal order every year? Usually not. An effective withdrawal strategy should evolve as your income, investment performance, tax situation, Social Security benefits, and required minimum distributions change.
A withdrawal sequence that works well at age 64 may no longer be appropriate at age 70. For example, a market decline could make it preferable to use cash reserves instead of selling investments. In another year, taking a tax-deferred withdrawal or completing a partial Roth conversion might help manage future taxable income and RMDs.
Review your strategy annually to decide how much to withdraw from taxable, tax-deferred, and Roth accounts. Consider your current tax bracket, future RMDs, Medicare premium thresholds, state taxes, spending needs, and portfolio performance.
Your retirement withdrawal order should be a flexible strategy, not an old assumption followed automatically. Review the current IRS required minimum distribution guidance when evaluating future withdrawals.
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