The conventional wisdom is to withdraw from taxable accounts first, then tax-deferred (traditional IRA/401k), then tax-free (Roth). However, the optimal order depends on your specific situation — including your tax bracket, RMD timeline, IRMAA thresholds, and state tax treatment. We model multiple scenarios to find your optimal withdrawal sequence.
This answer is provided for general informational purposes only and does not constitute financial advice. Every family’s situation is different. For personalized guidance, schedule a free consultation with our team.
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