What it is
Reducing how much you pay in taxes over your whole retirement, not just this year.
How it works
The advisor looks at your IRA, 401(k), Roth, brokerage accounts, etc.
They decide what to pull from first, second, third so you don’t accidentally push yourself into a higher tax bracket.
They may suggest Roth conversions in certain years.
They coordinate with your tax pro when needed.
Simple Example
You’re 63 and retired with:
$500k in a traditional IRA
$100k in a Roth IRA
$50k in a taxable account
Instead of taking everything from the IRA (fully taxable), the advisor might:
Use some taxable account money + some IRA each year
Do small Roth conversions before age 73 (before required minimum distributions kick in)
Result: lower lifetime taxes and more tax-free money later.
Important Disclosure: Descriptions of services on this page are general in nature and are provided for informational and educational purposes only. Actual services are provided solely by independent third-party advisors who participate in the Retirement Readiness Quiz (RRQ) program. RRQ is not a registered investment adviser, broker-dealer, tax professional, or law firm, and does not supervise, control, or guarantee the advice or services of any advisor. Nothing here should be considered personalized investment, tax, or legal advice, or a guarantee of future results. Before implementing any strategy, you should review the advisor’s regulatory filings (such as Form ADV), written disclosures, and engagement agreements, and consult with your own qualified professionals as needed.
