Retirement Income Planning: Why Withdrawal Sequencing Matters

Learn how proper withdrawal sequencing reduces taxes and extends retirement income for Oklahoma retirees.

One of the most overlooked retirement strategies is withdrawal sequencing—the order in which you take money from your accounts. Done wrong, it can increase taxes and drain savings. Done right, it can add years of income security for Oklahoma retirees.

What Is Withdrawal Sequencing?

Withdrawal sequencing is deciding when to take money from taxable accounts, tax-deferred accounts (like IRAs), and tax-free accounts (like Roth IRAs).

Why It Matters

• Reduces overall tax liability
• Minimizes Medicare surcharges
• Preserves Social Security benefits
• Extends portfolio longevity

Example Strategy

A Tulsa couple withdraws first from taxable accounts, then partially converts IRA money to Roth before RMD age, and saves Roth withdrawals for later years. This sequence reduces lifetime taxes by over $100,000.

Anchor’s Role

Anchor Financial Group builds personalized withdrawal strategies for Oklahoma retirees, aligning taxes, healthcare, and legacy planning.

Withdrawal sequencing can make or break retirement. Anchor helps Oklahomans maximize income and minimize taxes.

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