Maximize Your Roth IRA: When Should You Spend Your Roth Money in Retirement? скачать в хорошем качестве

Maximize Your Roth IRA: When Should You Spend Your Roth Money in Retirement?

We talk a lot about building up Roth IRAs—through contributions and conversions—but don’t always talk about spending from them. So when might it make sense to begin using those tax-free dollars you’ve worked hard to build? In this episode, I respond to a listener question about timing Roth IRA withdrawals and how they might fit alongside traditional IRA distributions. I’ll walk through a framework we often use to help clients evaluate when drawing from a Roth could support their broader planning goals—like managing tax brackets, limiting required minimum distributions, or spreading out future tax liability. I’ll also touch on how Social Security, charitable giving, and legacy planning may factor into the decision—and why we sometimes think of the Roth IRA as a flexible tool for long-term tax strategy. If you’ve been wondering when to start using your Roth, this episode is for you. ======================= Work with us → https://www.rootfinancial.com/start-h... Check out our Root Financial Youtube Channel →    / @root_financial   Get access to the retirement software I use and more → https://retirement-planning-academy.m... _ _ ⏱Timestamps:⏱ 0:00 - Question from a listener 1:41 - Consider long-term tax projection 4:14 - The tax planning window 6:43 - Find your tax threshold 8:20 - No issues with RMDs 10:37 - Smoothing out tax liability 14:30 - Legacy planning and charities 16:34 - Qualified charitable distributions 17:55 - A form of tax insurance 20:21 - A helpful framework _ _ Advisory services are offered through Root Financial Partners, LLC, an SEC-registered investment adviser. This content is intended for informational and educational purposes only and should not be considered personalized investment, tax, or legal advice. Viewing this content does not create an advisory relationship. We do not provide tax preparation or legal services. Always consult an investment, tax or legal professional regarding your specific situation. The strategies, case studies, and examples discussed may not be suitable for everyone. They are hypothetical and for illustrative and educational purposes only. They do not reflect actual client results and are not guarantees of future performance. All investments involve risk, including the potential loss of principal. Comments reflect the views of individual users and do not necessarily represent the views of Root Financial. They are not verified, may not be accurate, and should not be considered testimonials or endorsements. Participation in the Retirement Planning Academy or Early Retirement Academy does not create an advisory relationship with Root Financial. These programs are educational in nature and are not a substitute for personalized financial advice. Advisory services are offered only under a written agreement with Root Financial.