Retirement Unlocked

Mastering Retirement Withdrawals: Expert Tips for Smart Distribution Planning [Ep. 169]

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Do you know the smartest way to manage your withdrawals in retirement?

In this episode of the Life Unlimited podcast, host Larry Heller, CFP®, CDFA®, shares expert strategies for managing retirement withdrawals to ensure financial stability and tax efficiency. 

Larry covers essential steps for building a smart distribution plan, emphasizing pre-retirement planning and proactive wealth management. The episode explores the benefits of Roth conversions, the impact of the Secure 2.0 Act, and critical topics such as the widow penalty, annuities, and estate planning, all supported by real client insights.

Whether you’re approaching retirement or already retired, this episode offers practical tips to help you minimize taxes, optimize withdrawals, and protect your wealth and legacy. Don’t miss this valuable guide to mastering your retirement finances!

Key episode discussions include:

  • Strategic tax planning to minimize taxes before the distribution phase
  • Understanding different income streams like Social Security, pensions, and retirement accounts 
  • Real client scenarios illustrating the impact of effective and missed strategies
  • The effects of federal and state estate taxes, plus planning for longevity
  • Integrating attorneys and other professionals for a holistic financial plan 
  • And more!

    • Resources: 

    • Beyond Accumulation: Mastering Your Retirement Distribution Strategy (Ep. 164)
    • Investing with the Reservoir Strategy (Ep.119)

      • Connect with Larry Heller: 

      • (631) 248-3600
      • Schedule a 20-minute Call
      • Heller Wealth Management
      • LinkedIn: Larry Heller, CFP®, CDFA®, CPA
      • YouTube: Life Unlimited with Larry Heller, CFP®
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        Retirement UnlockedBy Larry Heller
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