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.

=======================

🔗 Connect with us → https://learn.rootfinancialpartners.com/connect
and on Root Financial's Youtube Channel → https://www.youtube.com/channel/UCopKwWs9ea1dAOxqZOqBjpg

Get access to the retirement software I use and more → https://retirement-planning-academy.mykajabi.com/rpa

Join our NEW community for FREE →https://ari-taublieb.mykajabi.com/the-root-collective

_ _

⏱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. We do not provide tax preparation or legal services. Always consult with your CPA or attorney regarding your specific situation.

Viewing this video does not create an advisory relationship with Root Financial. We only provide advisory services to clients under a written agreement.

Investment strategies discussed may not be suitable for everyone. All investments involve risk, and past performance is not indicative of future results.

Any opinions expressed are as of the date of recording and are subject to change.

Comments left on this video reflect the views and opinions of the individual commenters and do not necessarily represent the views of Root Financial Partners, LLC. Comments should not be considered a testimonial or endorsement of our services and have not been solicited or compensated. Root does not verify the accuracy of comments and is not responsible for their content.

Тэги:

#investing #retirement_planning #tax_planning #financial_planning #retirement #personalfinance #taxes #dividend_investing #financial_planning_at_50 #how_do_I_retire? #long-term_investing #financial_planning_at_60 #roth_conversions #roth_ira #IRA #individual_retirement_account #benefits_of_investing #pros_and_cons_of_investing #donor_advised_fund #financial_education

Скачать видео