That seven-figure 401(k) balance may look impressive—but what’s it really worth after taxes? On this episode, David Gagnon breaks down why retirement balances are not spendable numbers and how taxes, Medicare premiums, and withdrawal decisions can quietly erode income. He explains the importance of tax diversification, sequencing withdrawals, and understanding risks like required minimum distributions and sequence-of-returns risk. You’ll hear how strategic planning can align income sources, investment strategy, and tax rules to create clarity around retirement cash flow and long-term financial decisions.

Help Protect, Preserve, and Expand Your Wealth TODAY! 

Follow us on Social Media: Facebook and LinkedIn!  

See omnystudio.com/listener for privacy information.