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S4E11 – How to Put Together a Retirement Income Strategy
🎙️ Hosts: David Shotwell & Nick Nauta
Episode Overview
In this episode of Kitchen Table Finance, David and Nick break down the essential steps for creating a solid retirement income strategy. They discuss different income sources, withdrawal strategies, and key decisions that impact financial security in retirement. If you’re planning for retirement or are already there, this episode will help you piece together your financial puzzle.
https://youtu.be/VUvn3YXI-wE
Key Topics Covered
✅ Identifying Your Income Sources
Social Security: How to estimate your benefits and when to start collecting
Pensions: Understanding your options and survivor benefits
Retirement Savings: Pre-tax vs. Roth accounts and how they fit into your plan
Other Income Sources: Real estate, annuities, side gigs, or part-time work
The Role of Bank Savings and Investments
✅ Deciding When to Take Social Security
The impact of delaying benefits vs. taking them early
How Social Security claiming strategies affect long-term financial security
Considerations for working while taking Social Security
✅ Withdrawal Strategies for Retirement Savings
The 4% Rule: A useful guideline, but not a one-size-fits-all solution
How to balance withdrawals from taxable, tax-deferred, and tax-free accounts
The impact of required minimum distributions (RMDs)
Roth conversions and tax planning considerations
✅ Personalized Retirement Planning
Life expectancy and family history as factors in financial decisions
The emotional side of retirement spending—how to transition from a saver to a spender
How different strategies fit different personalities and risk tolerances
Final Thoughts
Planning your retirement income strategy isn’t just about the numbers—it’s about your lifestyle, goals, and peace of mind. David and Nick emphasize the importance of making informed, personalized decisions to create a financial plan that works for you.
📩 Questions or Need Guidance? Contact us at [email protected] or visit srbadvisors.com.
🔔 Subscribe & Stay Updated! Don’t miss future episodes—click HERE to subscribe and join us at the Kitchen Table for more financial insights!
View all episodes
By David Shotwell CFP(r) and Nick Nauta CFP(r)
5
33 ratings
🎙️ Hosts: David Shotwell & Nick Nauta
Episode Overview
In this episode of Kitchen Table Finance, David and Nick break down the essential steps for creating a solid retirement income strategy. They discuss different income sources, withdrawal strategies, and key decisions that impact financial security in retirement. If you’re planning for retirement or are already there, this episode will help you piece together your financial puzzle.
https://youtu.be/VUvn3YXI-wE
Key Topics Covered
✅ Identifying Your Income Sources
Social Security: How to estimate your benefits and when to start collecting
Pensions: Understanding your options and survivor benefits
Retirement Savings: Pre-tax vs. Roth accounts and how they fit into your plan
Other Income Sources: Real estate, annuities, side gigs, or part-time work
The Role of Bank Savings and Investments
✅ Deciding When to Take Social Security
The impact of delaying benefits vs. taking them early
How Social Security claiming strategies affect long-term financial security
Considerations for working while taking Social Security
✅ Withdrawal Strategies for Retirement Savings
The 4% Rule: A useful guideline, but not a one-size-fits-all solution
How to balance withdrawals from taxable, tax-deferred, and tax-free accounts
The impact of required minimum distributions (RMDs)
Roth conversions and tax planning considerations
✅ Personalized Retirement Planning
Life expectancy and family history as factors in financial decisions
The emotional side of retirement spending—how to transition from a saver to a spender
How different strategies fit different personalities and risk tolerances
Final Thoughts
Planning your retirement income strategy isn’t just about the numbers—it’s about your lifestyle, goals, and peace of mind. David and Nick emphasize the importance of making informed, personalized decisions to create a financial plan that works for you.
📩 Questions or Need Guidance? Contact us at [email protected] or visit srbadvisors.com.
🔔 Subscribe & Stay Updated! Don’t miss future episodes—click HERE to subscribe and join us at the Kitchen Table for more financial insights!