The Only Withdrawal Strategy You Need in Retirement

Comments · 31

• AR

  @arkroyalwealthmanagement · 2 weeks ago · pinned

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• GR

  @gregroland914 · 2 weeks ago

  Best retirement advice I’ve seen on YouTube. &nbsp;Excellent job putting this together.

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• JP

  @JPXMTV · 12 days ago

  Solid NFA video. Well done sir.

• YO

  @YourSolventUncle · 2 weeks ago

  Oh my gosh, this topic makes you sit up like wait… why does nobody tell retirees the real secret? Because the only withdrawal strategy you truly need is the one that keeps your money growing while you’re spending it. And here’s the wild part: most people still follow that old fixed‑percentage rule even though studies show flexible withdrawals can extend portfolio life by 7 to 11 years. I had this moment the other day like “okay… so the market dips and I’m supposed to pretend everything is fine?” No. The smart move is adjusting withdrawals based on market performance, taxes, and income needs. It’s simple, it’s intuitive, and it’s the closest thing to making your retirement feel like a calm, predictable paycheck instead of a roller coaster. Honestly, this strategy is the definition of peaceful wealth.

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• AL

  @alansantos-oo3og · 2 weeks ago

  Excellent video! Was there any tax applied on the $35000 brokerage account withdrawal?

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• BO

  @Bondbeer · 2 weeks ago

  Good video. One item regarding harvesting capital gains. You need to consider State taxes. In my state all capital gains are taxed at 6% even if in the zero federal cap gain bracket but T bond interest are not taxed at the State level so a married 65 year old couple can have $100k of T bond interest and pay less total tax then $100k of capital gains after taking advantage of $47,500 of deductions.

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• EL

  @elizabethandrews4199 · 2 weeks ago

  If you have an investment portfolio over $5.6m you have income generated from the on going management and reinvestment of the portfolio. Then if you have rental properties you have income. Can you please do this example for a single person?

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• MA

  @manuvns · 6 days ago

  Why worry about withdrawal rules. Why not convert the ira or 401k to annuity

• ST

  @StevenChristenson · 4 days ago

  Nice and clear. I have a question about one thing. In your example you have a couple spending 10k from Roth, and then doing a 70k conversion. &nbsp;I have trouble understanding that. There are two effects: The net is a 60k addition to the Roth; effectively the 10k Roth withdrawal prevented what would have been a 10k Cash (Royal Reserve) withdrawal to fund spending. Is that the point? &nbsp; The other side of that issue is the effect on future RMDs. More IRA drawn/converted means smaller future RMDs.<br><br>One idea I&apos;ve spent some time thinking about is changing the paradigm from &quot;IRA Withdrawal&quot; plus &quot;Roth Conversion&quot; to &quot;Roth Conversion&quot; + Spending. &nbsp;An IRA Withdrawal and a Roth Conversion have the same tax consequence but WHEN the money is spent matters. &nbsp;For example a years worth of planned spending &quot;Roth Conversion&quot; at the beginning of the year means all the converted funds grow tax free until they are actually spent (monthly/quarterly) - any conversion that is not spent is in fact a conversion. &nbsp;(The earlier the conversion and the later the spend, the greater the difference is between tax drag growth and tax free growth)... assuming you can delay tax payments as long as possible, too (e.g. by withholding from an IRA in late November). Oh, and the other point here, is paying taxes as LATE as possible in the year when tax certainty is better and after more tax free growth has been achieved - that payment can be done by withholding from the IRA. On the RMD front, the earlier the withdrawal/conversion, the less funds grow in the IRA, so the less RMD jeopardy accrues. For example: if I converted 70K in January and the market keeps cranking like it has, the 12% YTD growth would have all been in my Roth incurring NO additional tax. &nbsp;That same growth in my IRA would have resulted in $8.4k more IRA, and about $310 more in my first year of RMDs - but that 8.4k will also grow so $310 is just the FIRST year savings. &nbsp;That of course, will only matter if my RMDs force more income than I plan to spend.

• TK

  @TK-fd2rj · 7 days ago

  What if you don&apos;t have cash or a taxable brokerage account to pay the taxes for the ROTH conversion?

• ON

  @onlywenilaugh6589 · 2 weeks ago

  First, get 5 million

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• SE

  @seanwolfe9591 · 2 weeks ago

  Good video. But why pull 10k from Roth and then pay the taxes on more Roth with taxable money? &nbsp;And unless you a lot of taxable investments or savings to pay that Roth conversion tax, you are depleting your liquidity. &nbsp;Needs to be more emphasis on drawing down the IRA to avoid RMDs which can’t be converted to Roth

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