The Smart Way to Take Money Out of Retirement Accounts When You Have a Pension

Описание: How should you withdraw from retirement accounts when you have a pension?
The answer is far more nuanced than “Roth first” or “traditional first” and getting it wrong can quietly cost you hundreds of thousands of dollars in lifetime taxes.

In this video, I walk through a real retirement case study of a 55-year-old retired military individual with a $50,000 pension, $750,000 in Roth accounts, and $800,000 in traditional retirement accounts. Step by step, I explain the best-practice withdrawal strategy, how pensions change the tax picture, and why withdrawal order, Roth conversions, and Social Security timing are deeply connected.

We cover:
Roth vs traditional withdrawal strategy

How pensions permanently fill tax brackets

Why large traditional accounts can create future RMD and Medicare IRMAA problems

When the Rule of 55 helps — and when it doesn’t

Why Rule 72(t) often backfires

How your 60s are the most powerful years for Roth conversions

Why delaying Social Security can reduce lifetime taxes

If you’re nearing retirement, especially if you have a pension or significant retirement savings, this video will help you reduce taxes, preserve flexibility, and regain control over your retirement income plan.

00:00 Introduction: The Retirement Strategy Most People Get Wrong
00:59 The Case Study: A Real Retirement Scenario With a Pension
02:52 The Big Idea: Control Your Income, Taxes, and Timing
03:26 Step 1: What Your Pension Really Does (And What It Doesn’t)
04:40 Step 2: How to Protect Your Roth IRA Long-Term
05:49 Step 3: Using Your Traditional Account Slowly and Intentionally
08:26 Step 4: Why Age 55 Changes Your Early Retirement Strategy
11:06 Rule 72(t) Explained: When It Helps and When It Hurts
11:46 What Actually Matters Financially at Age 55
13:11 Step 5: Your Most Powerful Retirement Years — Your 60s
14:23 Why Delaying Social Security Is So Important in This Strategy
15:02 Why This Matters So Much (Especially for Single Retirees)
16:15 Step 6: Why Letting a Traditional IRA Grow Can Backfire
16:58 Step 7: What Retirement Looks Like When This Is Done Right

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Disclaimer: Please note that this video is made for entertainment purposes only and not to be taken as financial advice. Always make sure to do your own research.

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