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Retirement Planning – Drawing Down Assets

Q: In retirement, what assets should I draw down first.? My 401k, brokerage account stocks, or cash? I am 65 and also taking Social Security.

 

A: This is a great question that is very common.  The answer as with most investment questions, is “it depends”.  It largely depends on your tax rate in retirement.  If you can maintain a low tax rate, and have similar assets across pre-tax accounts (IRAs, 401Ks) and after-tax accounts, you can draw from pre-tax accounts at low tax rates and leave more tax efficient assets for heirs or later distributions.

 

If your tax rate is higher then, more considerations need to be made.

 

Let us know if we can be of any assistance


 

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