3 Accounts Retirees Should Pull From and in What Order

Title: Three Accounts Every Retiree Should Tap in the Right Order Description: ✅ Want to build a tax-smart withdrawal strategy for your retirement? Let's talk → https://calendly.com/mike-1764/introd... Most retirees pull from whatever account is biggest or easiest. That one habit could quietly hand tens of thousands of dollars to the IRS that you never had to give them. The order you draw down your retirement accounts isn't a small detail. It's one of the most consequential tax decisions you'll make in retirement, and almost no one plans for it before it's too late. In this video, Michael Dunlop, CFP and founder of Ignite Financial, breaks down the three account buckets every retiree should know, how the IRS treats each one differently, and why the sequence matters more than the balance. You'll learn: Why two retirees with identical savings can end up with dramatically different tax bills How pulling from pre-tax accounts too early (or too late) can make up to 85% of your Social Security taxable When the 0% long-term capital gains rate is actually available to you in retirement What the Medicare IRMAA surcharge is and how the wrong withdrawal can trigger it Why the Roth is the most valuable bucket to protect, and exactly when it makes sense to use it early How a real retirement scenario plays out year by year when the sequencing is done right The concepts here are not complicated once you see them. Executing the strategy well, year after year, as RMDs, Social Security, and tax law all interact, that's where a real plan makes a difference. _ _ This content is for informational purposes only and should not be considered investment, tax, or legal advice. Past performance is not indicative of future results. All investments involve risk, including possible loss of principal. Ignite Financial is a registered investment adviser in the State of Iowa. Registration does not imply a certain level of skill or training. For personalized advice, please schedule a consultation. Ignite Financial is a financial advisor serving individuals and couples approaching or living in retirement.