Optimizing Withdrawals From Taxable Portfolios

Craig Israelsen
02/24/21 4 PM EST
CFP® Live CPA IWI
Program Id: 418665027
9.4
Average Attendee Rating
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Reviews Of This Retirement Income Planning CE Class 

This session is practical and educational for retirement income planning. Craig Israelsen, Ph.D., who has published portfolio design research monthly on A4A for many years, illustrates retirement income planning decision-making using a spreadsheet that took years to build, for $200.

The lessons about retirement withdrawal schemes – using fixed amounts, COLAs, or percentage-based – are important to all financial advisors. It’s great CE content! However, A4A always transcends traditional CE by making professional education practicable and that’s what’s so wonderful about the reviews from advisors below.  

Craig’s average rating was 9.4 on a scale of 1 to 10. Reviews attendees of the live class follow, and this class is eligible for CFP credit on-demand. 

  • Informative, useful, concise
  • Great as always.
  • Better than I hoped. Very good information.
  • The software is amazing and appears to be very versatile.  The compliance concerns are legitimate if we try to use it with clients and based on how we use it with clients and the decisions they make based on what is recommended for them.
  • Thank you, Craig for another great analysis of the spreadsheet's ability to show various methods of portfolio draw downs and the variety of methods in which a retiree can take withdrawals in a safe manner. Please keep up the great work, both with A4A and in the academic arena.
  • RMDs only apply to retirement accounts - it's confusing to use that term for taxable distributions which are NOT required!
  • Excellent
  • Very good   I wish more time
  • Very informative.
  • Great presentation.
  • Great info. Would be even better if you made the content more interactive so that we have the opportunity to ask (more) questions. Ever consider making the content time 10 or 15 minutes longer and those that don't want to hang on can leave?
  • Craig gets in the weeds.  Probably not for everyone but for a CPA planner, I appreciate that.
  • How to I buy Craig's spreadsheets? Thank you.
  • Nice to have Craig as part of my investment research.
  • Good info
  • Very helpful material.  Craig's spreadsheet was very insightful.
  • Verified my hunches
  • Fantastic as always
  • Excellent.....love the spreadsheet demo Craig!
  • Excellent.  He quantified the 4% maxim and showed specifics regarding safety and return.
  • Great information. $200 seems like a low cost for retirement planning vs what others charge. This information is what clients really want. Especially when they start retirement most are concerned they will run out of money.
  • Excellent presentation and timely.  My #9 rating on Q.2 was lower only in that there was a lot of info and variables to absorb, which, for me could have been handled in a 60 minute or longer webcast, not compressed into 50 minutes. I'm glad that the presentation is archived for replay.
  • Nice correlations, rules, and examples for clients to get
  • Very well done and good comparison of fixed approaches. Lots of press lately about variable / hybrid approaches, but of course those would be virtually impossible to model. Also really liked the spreadsheet and being able to visualize the impact of future lower returns.
  • Very interesting

 

 

 

Optimizing Withdrawals From Taxable Portfolios

With the pandemic slashing earned income of business owners, professionals, and other individuals, advisors need to know the best way to optimize taxable assets for sustainability. 
 
Unlike federally qualified accounts, taxable accounts do not benefit from tax deferral and are not subject to penalty for withdrawal before age 59½. They are the first accounts to be tapped in times like these. This presentation illustrates different withdrawal scenarios showing how choices today affect future portfolio results based on various asset allocation models. 
 
To help professionals counsel individuals who suffered sharp drops in income due to the Covid crisis and who must draw down on taxable assets, this class shows the effects on retirement income and legacy planning when a client raids their taxable accounts.  
 
Several systematic withdrawal techniques to optimize withdrawals are illustrated to help practitioners advise on sustainable income-producing taxable portfolios, including:  
 
withdrawing a percentage of the portfolio’s value 
withdrawing a COLA-based annual withdrawal 
withdrawing a fixed dollar amount each year
withdrawing the RMD amount (even if it is not governed by RMD rules)


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

Craig's monthly A4A classes enable low-expense portfolio management in a professional practice. 

After registering, you will receive an email confirmation from This email address is being protected from spambots. You need JavaScript enabled to view it.Check spam folder if you do not receive it.

This webinar is eligible for one hour of CE credit towards the CIMA® and CPWA® certifications, CFP® CE, PACE credit toward the CLU® and ChFC® designations, and live CPA CPE credit.


More than 50 hours of CFP® CE credit and more than 100 hours of Investments & Wealth Institute® credit on replays available 24/7 to paying members ($120 annually) of
Advisors4Advisors.com. CPAs are eligible to receive CPE for attending live webinars only. To learn how to receive continuing professional education credit viewing webinar replays, please see our detailed instructions.

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