Retirement Withdrawal Strategy: Is $100K a Year at 63 Wrong?

🔵 Schedule a free assessment with an experienced financial professional: https://bit.ly/YMYWassessYT 🔵 Free Financial Resources in This Episode: https://bit.ly/ymyw-600 (full show notes & episode transcript) 🔵 2026 Tax Planning Guide - free download: https://purefinancial.com/white-paper... 🔵 Withdrawal Strategy Guide - free download: https://purefinancial.com/white-paper... 🔵 WATCH:    • Escape These 11 Tax Traps and You'll Save ...   🔵 Calculate your Financial Blueprint (free, self-guided): https://bit.ly/YMYWblueprintYT 🔵 Ask Joe & Big Al: https://bit.ly/YMYWaskYT 🔵 DOWNLOAD more free guides: https://bit.ly/YMYWguidesYT 🔵 READ financial blogs: https://bit.ly/YMYWblogYT 🔵 SUBSCRIBE to the YMYW Newsletter: https://bit.ly/YMYWnewsletterYT 🔵 Subscribe on YouTube: http://bit.ly/YMYW-YT 🔵 Follow the YMYW podcast: https://lnk.to/ymyw 63-year-old Kevin is pulling a hundred grand a year out of his portfolio. What’s the tax-smart way for him to structure these retirement withdrawals? Tim was forced into early retirement, and his wife Jill may be facing a layoff. They have over two and a half million saved, but what about health insurance? And Rocky and Adrian have four million in pre-tax at ages 68 and 69. If they convert to Roth are they just picking up nickels in front of a steamroller? That’s all today on Your Money, Your Wealth® podcast number 600. But first, Jeffrey’s YouTube comment lit a fire when he called a recent episode of YMYW TV on Social Security claiming strategies cookie-cutter with zero real info. 00:00 - Intro: This Week on the YMYW Podcast 00:54 - Claiming Social Security: Is Planning for a 40-Year Retirement a Waste of Time? (jeffreylevin9728, YouTube) 12:31 - How Do I Turn My IRA Into a Monthly Paycheck? (Kevin, Denver) 23:42 - I’m Retired Early Due to Illness and My Wife May be Laid Off. What About Health Insurance? (Tim & Jill, rural PA) 32:30 - Roth Conversions on a $4M IRA at 68: Picking up Nickels in Front of a Steamroller? (Rocky & Adrian, Tucson, AZ) 40:27 - Outro: Next Week on the YMYW Podcast 42:16 - The Derails: Frontier Crucible, The Punisher, Disclosure Day, etc. IMPORTANT DISCLOSURES: • Investment Advisory and Financial Planning Services are offered through Pure Financial Advisors, LLC, a Registered Investment Advisor. • Pure Financial Advisors LLC does not offer tax or legal advice. Consult with your tax advisor or attorney regarding specific situations. • Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. • Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. • All information is believed to be from reliable sources; however, we make no representation as to its completeness or accuracy. As rules and regulations change, content may become outdated. • Intended for educational purposes only and are not intended as individualized advice or a guarantee that you will achieve a desired result. Before implementing any strategies discussed you should consult your tax and financial advisors. CFP® - The CERTIFIED FINANCIAL PLANNER® certification is by the CFP Board of Standards, Inc. To attain the right to use the CFP® mark, an individual must satisfactorily fulfill education, experience and ethics requirements as well as pass a comprehensive exam. 30 hours of continuing education is required every 2 years to maintain the certification. AIF® - Accredited Investment Fiduciary designation is administered by the Center for Fiduciary Studies fi360. To receive the AIF Designation, an individual must meet prerequisite criteria, complete a training program, and pass a comprehensive examination. Six hours of continuing education is required annually to maintain the designation. CPA – Certified Public Accountant is a license set by the American Institute of Certified Public Accountants and administered by the National Association of State Boards of Accountancy. Eligibility to sit for the Uniform CPA Exam is determined by individual State Boards of Accountancy. Typically, the requirement is a U.S. bachelor’s degree which includes a minimum number of qualifying credit hours in accounting and business administration with an additional one-year study. All CPA candidates must pass the Uniform CPA Examination to qualify for a CPA certificate and license (i.e., permit to practice) to practice public accounting. CPAs are required to take continuing education courses to renew their license, and most states require CPAs to complete an ethics course during every renewal period. #retirementplanning