3 Cases: $1,000,000 Portfolios in Retirement: How Taxes & Account Mixes Change Your Monthly Income

Описание: Most people believe that reaching $1,000,000 in retirement automatically means financial security. In reality, how that $1,000,000 is allocated across tax buckets can dramatically change your monthly income, taxes, and long-term peace of mind.

In this short, educational video, I walk through three retirement portfolio case examples using professional financial planning and tax software to show how tax diversification impacts net monthly cash flow.

🔍 What You’ll See in This Video:
Using the same $1,000,000 portfolio, we compare three different tax mixes:

Case 1 – Balanced Tax Diversification
• 20% Traditional IRA / 401(k)
• 25% Roth IRA
• 55% Taxable Brokerage
➡️ Net Income: ~$6,116/month ($73,392/year)

Case 2 – Heavily Tax-Deferred
• 75% Traditional IRA / 401(k)
• 15% Roth IRA
• 10% Taxable Brokerage
➡️ Net Income: ~$5,179/month ($62,148/year)

Case 3 – Roth-Forward Strategy
• 20% Traditional IRA / 401(k)
• 55% Roth IRA
• 25% Taxable Brokerage
➡️ Net Income: ~$6,032/month ($72,384/year)

📌 Same portfolio value.
📌 Same household.
📌 Very different after-tax lifestyle outcomes.

👥 Assumptions Used in These Examples:

• Married couple, ages 56 & 57
• Lives in North Carolina
• Social Security claimed at age 62 ($1,600/month each)
• Modeled longevity to ages 80 & 77
• Values shown in today’s dollars
• Income shown is monthly net cash flow after taxes

🧠 Why This Matters

Retirement planning isn’t just about how much you save — it’s about:
• How your income is taxed
• Which accounts you draw from first
• How taxes affect cash flow, stress, and flexibility
• Creating income that feels stable, intentional, and sustainable

When people understand this, something powerful happens:
👉 fear decreases
👉 clarity increases
👉 better decisions follow

This is where wealth strategy meets emotional well-being.

🌱 Our Philosophy at Awaken Financial Designs

We believe true wealth is not just accumulation — it’s alignment.
Alignment between:
• Money and meaning
• Strategy and peace of mind
• Financial clarity and nervous system calm

That’s why we blend tax strategy, fiduciary planning, and conscious awareness in everything we teach.

🔔 If you found this helpful, consider subscribing for more educational videos on:
• Retirement tax strategy
• Roth planning
• Early retirement pathways
• Conscious wealth alignment

#taxes #retireearly #taxplanning #retirment #investingtips #financialfreedom #carync

Educational purposes only. No investment, tax, or legal advice is provided. Always consult with a qualified professional regarding your personal situation.