Retirement Withdrawal Planning

The transition from saving to spending in retirement requires thoughtful planning to balance income needs, investment growth, and tax considerations. The Advisory Group helps clients develop personalized withdrawal strategies that align with their goals and income sources — from retirement accounts and pensions to Social Security and investments. Through the TAG Optimization Process (T.O.P.), we evaluate the timing, order, and tax impact of withdrawals to help create sustainable retirement income. As your retirement progresses, we review and adjust your withdrawal strategy to reflect changing needs, market conditions, and opportunities to help improve tax efficiency across your retirement years.

Create a withdrawal plan that helps manage income and tax implications.

Structuring Sustainable Withdrawals

A well-planned withdrawal strategy helps manage income throughout retirement. TAG helps determine an approach that aligns with your needs and goals.

Managing Tax Implications

Retirement income from different sources is taxed differently. TAG helps create a tax-conscious withdrawal strategy to help manage liabilities.

Adjusting for Life Changes

Unexpected expenses or economic shifts can impact retirement income. TAG helps you reassess and adjust withdrawal strategies as needed.

Birthdays Over 50 Worth Celebrating

Before you start planning for retirement, make sure you put these relevant dates in your calendar. Beginning at 50 years old, there are several birthdays that are essential to be aware of as they can influence your retirement timeline and overall financial plan.

Retirement Withdrawal Planning

Frequently Asked Questions

How do you determine the right withdrawal strategy for my retirement?

Through the TAG Optimization Process (T.O.P.), we review your income sources, account types, tax considerations, and long-term goals. This helps us develop a withdrawal strategy designed to meet your income needs while managing tax implications and preserving assets.

Why is the order of withdrawals important in retirement?

The order in which you withdraw funds from different accounts can affect both your taxes and the longevity of your savings. The Advisory Group helps clients develop withdrawal strategies that consider risk, taxes, distributions, and growth potential.

How do you help adjust withdrawals if market conditions change?

Retirement withdrawal plans are not static. We regularly review withdrawal strategies to account for market changes, personal spending shifts, and tax law updates, helping to keep your plan responsive to new information.

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Let’s Talk About Your Future

Your financial goals deserve a thoughtful approach. Whether you’re planning for retirement, growing wealth, or managing life changes, we’re here to help. Schedule a complimentary consultation and start building a strategy that aligns with your vision.

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Brian Nauman IA Insurance License No.266151 Bradley Nauman IA Insurance Lic No.19873794. Lucas Dengler IA Insurance License No. 19220122. Representatives registered with and offer only securities and advisory service through PlanMember Securities Corporation, a registered broker/dealer, investment advisor, and member FINRA/SIPC.

The Advisory Group, Inc. and PlanMember Securities Corporation are independently owned and operated.

Investors should carefully consider the investment objectives, risks, charges, and expenses of a mutual fund before investing. This and other important information is contained in the prospectuses or summary prospectuses, which can be obtained from the financial professional for your plan and should be read carefully before investing. All investments may involve risk, including possible loss of principal. Asset allocation or the use of an advisor does not ensure a profit or guarantee against loss.

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Retirement Withdrawal Planning

Structuring Sustainable Withdrawals

Managing Tax Implications

Adjusting for Life Changes

Birthdays Over 50 Worth Celebrating

Retirement Withdrawal Planning

Frequently Asked Questions

Why Diversifying Your Retirement Income Streams Matters

Should You Retire at the Same Time as Your Spouse?

Protecting Your Savings: Strategies for Managing Retirement Healthcare Costs

Let’s Talk About Your Future

Fresh Insights, Direct to You.

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