The 401(k) Rule Retirees Are Told (And Why It’s Wrong)

Book a FREE call with me here: https://www.soincomes.com/appointments

Retirement doesn’t have to mean you immediately start pulling from your 401(k) to pay the bills. In fact, for many pre-retirees and retirees, withdrawing from a tax-deferred account too early can create higher taxes, reduce flexibility, and limit planning opportunities later in life.

In this video, I break down how some retirees structure their income so they can retire and delay touching their 401(k) for 5, 10, or even 15 years. The goal isn’t to “never spend” your savings. The goal is to build options, keep compounding working longer, and choose the timing of withdrawals on purpose, based on taxes and long-term cash flow.

You’ll learn the core pieces of the strategy, including how a taxable “bridge account” can fund the early retirement years, how Roth accounts and Roth conversions can improve tax control, how other income sources can reduce pressure on your portfolio, and how delaying Social Security (when appropriate) can increase lifetime income and reduce the need for heavier 401(k) withdrawals later.

Everyone’s situation is different, but the difference between a basic plan and an optimized plan often comes down to withdrawal sequencing and tax-aware strategy. If you want help building a retirement income plan that keeps your 401(k) growing as long as possible while still supporting the life you want, book a call using the link above.



#retirementplanning #retirementincome #401k #withdrawalstrategy #taxplanning #taxefficientretirement #rothira #rothconversion #socialsecurity #medicareplanning #irmaa #incomeplanning #financialplanning #retirementstrategy #retirementtips #legacyplanning #financialindependence #retireearly #taxsmart #wealthmanagement