Three Retirement Income Withdrawal Techniques For Roth And Taxable Accounts

Craig Israelsen
11/19/20 4 PM EST
CFP® Live CPA
Program Id: 456063115
9.4
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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.

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 and junk folder if you do not receive it.

This webinar is pending eligibility for one hour of CE credit towards the CIMA® and CPWA® certifications, and it is eligible for 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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seems like more of the same

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The webinar was helpful because it provides some real numbers behind the 3 options discussed. It is helpful to have the quantitative knowledge on what it really means when selecting any of the 3 options presented using the historical data dating back to 1926.

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