The $2M Retirement Math No One Warned You About

Описание: You've saved $2 million for retirement. Congratulations, you're in the top 10% of savers. But that $2 million might not translate into the spending power you think it does. After accounting for taxes, required minimum distributions, and survivor penalties, your actual spendable income could be 30-40% less than you expected.

In this video, I break down the three mathematical certainties built into the retirement system that reduce your real spending power, and show you exactly how to structure your assets to maximize your after-tax income in retirement.

We cover:
The Tax Reality Gap: Why $2 million doesn't equal $80,000/year in spending
The RMD Tax Issue: How required withdrawals can push you into higher brackets
- The Survivor Income Cliff: What happens when one spouse passes away
Real numbers: How to properly calculate your actual spendable income
Strategic planning: Using gap years for Roth conversions to save $150,000-$250,000 in lifetime taxes
The ideal asset structure: How to diversify across account types for maximum flexibility

Timestamps:
(00:00) The $2 Million Misconception
(01:00) Three Factors That Reduce Spending Power
(03:30) Factor #1: The Tax Reality Gap
(07:30) Factor #2: The RMD Tax Issue
(11:00) Factor #3: The Survivor Income Cliff
(15:00) The Solution: Proper Planning Strategies
(18:00) Your Real Spending Power with $2 Million
(20:00) How We Can Help

I'm Kyle Moore, a certified financial planner and founder of Quarry Hill Advisors. We specialize in helping pre-retirees navigate the retirement transition with tax-efficient income strategies.

Need personalized guidance? Click the link below to schedule a complimentary retirement readiness review where we'll analyze your specific situation.

https://quarryhilladvisors.com/bedroc...

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