Three Retirement Income Withdrawal Techniques For Roth And Taxable Accounts

lf you’re a fiduciary advising retirees with taxable or tax-free Roth assets, this class shows you how to help clients decide among three withdrawal choices for generating a lifetime income stream.
 
For retirees with taxable or tax-free Roth assets, the best way to model the future is by illustrating the three main systematic withdrawal schemes:
      1. RMD-based annual withdrawals from age 72 to 97
      2. withdrawing 4% of the portfolio balance each year
      3. initially withdrawing 4% and then adjusting it annually for inflation

Back-testing the three withdrawal techniques for 70 rolling 25-year periods from 1926 to 2019 gives advisors as well as clients a clear understanding of their choices and the differences, which are significant.

Craig Israelsen, Ph.D., teaches A4A members monthly about low-expense investing. For three decades, Craig has helped define best practices for managing portfolios for individuals, publishing his research monthly in Financial Planning magazine. He's taught on A4A for nearly a decade. Craig's taught family financial management at universities for over two decades, and he's currently Executive-in-Residence in the Financial Planning Program at Utah Valley University.

If you're paying a TAMP or custodian to manage portfolios, Craig's monthly A4A classes will show you how to lower your fees and build a practice that's better for your clients and you.

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