Can You Retire at 65 With $1.5 Million? Real Case Study (Social Security + Taxes) скачать в хорошем качестве

Can You Retire at 65 With $1.5 Million? Real Case Study (Social Security + Taxes)

➡️ Schedule your introductory appointment now: https://calendly.com/earlyretirementa... Can you retire at age 65 with $1.5 million and safely spend $8,500 per month without running out of money? In this video, we walk through a detailed retirement case study for Bill and Susie, a hypothetical couple both age 65, to determine whether they can retire now—and how to structure their withdrawals, Social Security claiming strategy, and tax planning to maximize long-term success. You’ll learn: How portfolio withdrawals are coordinated with Social Security Why delaying Social Security (especially to age 70) can significantly improve lifetime income How survivor benefits factor into retirement security How historical stress testing shows a 99% success rate Why Required Minimum Distributions (RMDs) can create tax problems later How proactive Roth conversions can reduce lifetime taxes by over $800,000 This video is ideal for retirees or near-retirees who want to understand how income planning, risk analysis, and tax strategy work together in a real-world retirement plan. Important: This example is for educational purposes only and uses hypothetical assumptions. Results are not guaranteed. 00:00 Intro: Retirement Case Study Overview 00:40 Client Snapshot: Bill & Susie at Age 65 01:29 Retirement Goal: $8,500 Per Month 01:57 Can They Retire Now? 02:11 Cash Flow Planning Explained 02:27 Social Security Timing Strategy 02:55 Why Bill Delays Social Security to Age 70 03:30 Survivor Benefits Explained 04:09 Portfolio Withdrawals Before Social Security 04:40 Withdrawal Rate Risk Discussion 05:18 Historical Stress Test Results 05:55 99% Probability of Success Explained 06:11 Could They Spend More? 06:52 Legacy & End-of-Life Projections 07:45 Why Withdrawals Increase Over Time 08:05 Required Minimum Distributions (RMDs) 08:43 Tax Planning Opportunities 09:23 Comparing Withdrawal Tax Strategies 09:49 Roth Conversions to the 12% Bracket 10:38 How Roth Conversions Save $800,000+ 11:13 Long-Term Tax Strategy Review 11:49 Final Verdict: Are They Retirement-Ready? Retirement Advice, headquartered in Mapleton, Utah, is a fee-only financial planning firm that equips individuals with the knowledge, tools, and wisdom needed to retire on their terms confidently. Their holistic approach is rooted in transparency, open collaboration, and a client-first mindset. They can be reached by phone at (801) 228-0103, via email at info@earlyretirementadvice.com, or on the web at earlyretirementadvice.com. The opinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual. The information contained above is for illustrative, educational, and informational purposes only and does not constitute investment advice and it should not be relied on as such. It should not be considered a solicitation to buy or an offer to sell a security. It does not take into account any investor's particular investment objectives, strategies, tax status or investment horizon. You should consult your attorney or tax advisor. RETIREMENT ADVICE, LLC “RA” is a registered investment advisor offering advisory services in the State of UTAH and in other jurisdictions where exempt. Registration does not imply a certain level of skill or training. The information on this site is not intended as tax, accounting, or legal advice, as an offer or solicitation of an offer to buy or sell, or as an endorsement of any company, security, fund, or other securities or non-securities offering. This information should not be relied upon as the sole factor in an investment-making decision. Past performance is no indication of future results. Investment in securities involves significant risk and has the potential for partial or complete loss of funds invested. It should not be assumed that any recommendations made will be profitable or equal any performance noted on this site. The information on this site is provided “AS IS” and without warranties of any kind either express or implied. To the fullest extent permissible pursuant to applicable laws, RETIREMENT ADVICE, LLC disclaims all warranties, express or implied, including, but not limited to, implied warranties of merchantability, non-infringement, and suitability for a particular purpose.