Retirement Withdrawals

In-depth guides on retirement withdrawals planning scenarios.

• Is It Ever Better to Pay the RMD Penalty Than Take the Distribution?

  The surprising math behind intentionally skipping Required Minimum Distributions when your marginal tax rate approaches 50% — and why it almost never works.

• Rule of 55: Withdrawing from a Mixed Roth/Traditional 401(k)

  How withdrawal ordering works when your 401(k) holds both pre-tax and Roth money — and why the order you draw matters for taxes, IRMAA, and ACA subsidies.