The $2M Retirement Math No One Warned You About скачать в хорошем качестве

The $2M Retirement Math No One Warned You About

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... #retirementplanning #taxstrategy #rothconversion #financialplanning #retirementincome #wealthmanagement #rmd