Most Retirees Take Income in the Wrong Order | Do You?

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Most people assume retirement income is simple — you stop working, turn on your pension, claim Social Security, and withdraw from your accounts as needed. But when those income sources aren’t coordinated correctly, the tax consequences can be severe.

Pension income, Social Security benefits, traditional IRA withdrawals, and Roth income are all taxed differently. When combined in the wrong order, they can push you into higher tax brackets, trigger Medicare IRMAA surcharges, and make more of your Social Security taxable — even if your spending hasn’t changed.

This conversation breaks down how to coordinate multiple retirement income sources in a way that reduces taxes, protects Medicare premiums, and gives you more flexibility year to year. We walk through real-world examples showing how timing withdrawals, delaying Social Security, and using Roth accounts strategically can dramatically improve after-tax retirement income.

If you’re approaching retirement or already retired and drawing from multiple income streams, understanding how these pieces fit together is critical to making your savings last.









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