In-depth guides on retirement withdrawals planning scenarios.
The 'still working' rule, why some plans say no, and smarter ways to shrink your required withdrawals
When you switch employers mid-year, the $24,500 deferral limit follows you but the match doesn't. Here's the math on front-loading, true-ups, and capturing every matching dollar across two jobs.
A retiree with a taxable brokerage account and a Roth IRA — both 100% stocks with the same mix — wants to know whether to drain the brokerage first. Usually yes, but the exceptions are where the real money is.
Why the 'basis' you see in a Schwab account isn't the basis that lowers your tax bill
How required withdrawals work when you have several traditional IRAs and one of them turns into a pension-like income stream.
The surprising math behind intentionally skipping Required Minimum Distributions when your marginal tax rate approaches 50% — and why it almost never works.
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.
Why inherited IRA money is taxed as ordinary income, what the 10-year rule forces you to do, and whether a lump sum beats spreading it out.