Free Money available here -
Ok, no free money; just the opportunity to increase your retirement spending through a tax-efficient, retirement savings withdrawal strategy.
Withdrawals from your Tax-deferred retirement savings account (401K, IRA, SEP...) are subject to the Federal progressive personal income tax. The order and magnitude in which you make withdrawals from your Tax-deferred, Roth IRA, and After-tax accounts affects your total retirement disposable income.
The Optimal Retirement Planner (ORP) computes your tax-efficient schedule of retirement savings withdrawals for your entire planned retirement.
The essential ORP narrative:
- Asks for your facts, in thousands of dollars ($000):
To override these assumptions go to Full
The article on page 17 in the 2015 Journal of Personal Finance contrasts ORP to the conventional wisdom of retirement savings withdrawals.
ORP's result windows require popups. New Working Paper
A Three Step Procedure for
Sustainable Retirement Savings
Please send your comments.
November 9, 2016
James S. Welch, Jr.