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Retirement & Income Planning

Turning a lifetime of savings into reliable retirement income: when you can retire, how much you can safely spend, the order you draw down accounts, Social Security timing, RMDs, and getting more conservative near retirement. High commercial intent for pre-retirees; mirrors and links to /services/retirement-planning.

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35 pieces

Everything on retirement & income planning

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Financial Planning Fridays #119: Roth Conversions

A Roth conversion moves funds from a traditional IRA into a Roth IRA, where they may grow tax-deferred under current rules, including for up to a decade after passing to heirs. This Presilium video explains how strategic conversions may help reduce lifetime taxes and support your retirement and legacy goals, depending on your situation. Past performance does not guarantee future results; this is educational, not investment advice.

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Building Value #5: The Right Retirement Plan

In this Building Value episode, Presilium helps business owners choose the right retirement plan for their company. It compares options such as SEP IRAs, 401(k)s, and cash balance plans, weighing tax savings, contribution limits, and employee benefits to match the plan to the owner's goals and stage of business.

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Tips & Tricks for Today & Tomorrow 8 – Roth Contributions for High Earners

High earners are often phased out of contributing directly to a Roth IRA. This Presilium video explains workarounds, including the backdoor Roth IRA and mega backdoor Roth through a 401(k), that let high-income savers still build tax-free retirement assets, along with the tax rules to watch when using them.

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The Big Question #17: When should I become more conservative?

In this Big Question episode, Presilium answers when to become more conservative with investments. The decision should be driven by your time horizon and when you'll need the money, especially nearing or in retirement, rather than by age alone, balancing the need for stability with the need for ongoing growth.

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Financial Planning Fridays #112: Determining Your Investment Mix

Your stock-to-bond mix is the single biggest driver of long-term portfolio outcomes. Because Presilium plans for clients to live to at least 95, holding too many bonds can lower long-term growth and limit the goals you can fund. Most people can responsibly hold a higher stock allocation than they assume.

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Financial Planning Fridays # 109: NUA and Company Stock in Your 401k

Net unrealized appreciation (NUA) is a tax rule for employees holding appreciated company stock inside a 401k. Instead of rolling shares into an IRA, you transfer them to a brokerage account, paying ordinary income tax only on the cost basis and long-term capital gains rates on the appreciation.

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Financial Planning Fridays #97: Required Minimum Distributions

Required Minimum Distributions (RMDs) are mandatory annual withdrawals from tax-deferred retirement accounts that begin once you reach a certain age. Their purpose is to ensure retirement savings are drawn down and taxed during your lifetime rather than deferred indefinitely. Planning ahead helps manage their tax impact.

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Financial Planning Fridays #96: The Future of Social Security

Social Security paid 67 million Americans last year and remains central to many retirements. The latest Trustees report projects the Trust Fund could deplete by the end of 2034. While the headline is alarming, the report's details offer important context for retirees and reasons not to panic.

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Financial Planning Fridays #94: Lifetime Tax Savings

This episode outlines the top tax-saving strategies Presilium uses to lower clients' lifetime tax bills, including coordinating account types, withdrawal sequencing, and Roth conversions. The core message: a written, multi-year tax plan that integrates these strategies can meaningfully improve a household's lifetime net income.

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Tips and Tricks for Today and Tomorrow: Episode 6 – Sequence of Return Risk

This episode explains sequence of return risk, the danger that poor market returns early in retirement can permanently shrink a portfolio because you are withdrawing while values are down. It covers why the order of returns matters once you start spending and how planning can cushion against an unlucky early stretch.

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Tips and Tricks for Today and Tomorrow: Episode 5 – Qualified Charitable Distributions

This episode explains qualified charitable distributions (QCDs), which let IRA owners aged 70½ or older give directly to charity tax-free. A QCD can satisfy required minimum distributions while keeping the donated amount out of taxable income, making it one of the most tax-efficient ways for retirees to give.

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The Big Question #12: How Much Should I Be Saving?

This episode answers a common question: how much should I be saving? Rather than a single magic number, it explains that the right savings rate depends on your income, goals, and timeline, and that consistent saving, started early and tied to a written plan, is what builds long-term financial security.

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Financial Planning Fridays #87: A Fun Look at Social Security

This episode takes an accessible look at Social Security, noting that more than 68 million Americans receive about $1.5 trillion in benefits each year, funded by payroll taxes split between workers and employers. It explains that most collected funds pay current benefits and frames Social Security as a key piece of retirement income planning.

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Financial Planning Fridays #86: Stay Ahead of Inflation

Using the rising price of a postage stamp as a proxy for everyday inflation, this episode shows how prices have climbed roughly 15-fold over 60 years and why investments must outpace inflation to preserve purchasing power. It explains that historically, owning stocks has been the most reliable way to stay ahead of rising costs.

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Tips and Tricks for Today and Tomorrow: Episode 1 – 2024 IRS Updates

The IRS updated contribution limits for 2024. In this short video, Brian walks through the figures Presilium considers most important to know, helping savers calibrate how much to contribute to retirement and tax-advantaged accounts for the year.

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The Big Question #8: Am I Okay?

This Big Question episode tackles one of the most common worries clients bring: am I okay? It explains how a comprehensive financial plan answers that question with clarity, replacing anxiety with a concrete picture of whether you are on pace to reach your goals.

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Financial Planning Fridays #68: Stock vs. Bond Income During Retirement

Using a 30-year example starting in 1993, this episode compares income from stocks versus bonds in retirement. While bonds offer higher initial yields, stocks have historically grown their income over time, an important consideration for retirees planning income that keeps pace with rising costs.

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Financial Planning Fridays #63: Year-End Planning

As the year closes, several planning moves can reduce taxes and strengthen your position: harvesting tax losses in taxable accounts, reviewing Roth conversion opportunities, maximizing contributions, and checking required distributions. This episode walks through the year-end steps Presilium completes for clients before December 31.

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Financial Planning Fridays #58: Making the Lump-Sum vs. Monthly Pension Decision

Choosing between a pension lump sum and a lifetime monthly benefit is one of the most consequential decisions at retirement. This episode walks through the breakeven analysis Presilium uses, applying a reasonable rate of return and life expectancy to compare options and weigh flexibility, longevity, and survivor needs.

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The Big Question #4: What’s My Number?

What's my number? There is no universal figure for how much you need to retire. This episode explains that your retirement number is driven by your planned spending, income sources, and goals, and is best determined through a personalized financial plan rather than a generic rule of thumb.

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The Big Question #3: Will social security exist, for me, in the future, as it stands today?

Will Social Security exist for me in the future as it stands today? This episode addresses the common fear of disappearing benefits, explaining how the program is funded, what the projected trust-fund shortfall actually means, and why most planners assume benefits will continue, possibly in modified form, for future retirees.

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Financial Planning Fridays #48: How much can you spend in retirement?

How much can you spend each year in retirement depends on many factors, including your income sources, portfolio, time horizon, and goals. This episode walks through the financial-planning process Presilium uses to combine these inputs and estimate a sustainable, personalized spending level for retirement.

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Financial Planning Fridays #37: DJIA 351,000

Because many retirements Presilium plans last at least 30 years, portfolios may need to provide both income and growth across that span. This episode uses a long-range, hypothetical Dow Jones illustration to explain the concept of long-term compounding, emphasizing that decades-long time horizons can call for staying invested rather than reacting to short-term moves. Past performance does not guarantee future results; this is educational, not investment advice.

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Financial Planning Fridays #33: When to Collect Social Security

Choosing when to begin Social Security is one of the most impactful retirement income decisions you will make. This episode highlights seven key facts, including that full retirement age is now 67, that you can claim as early as 62 or as late as 70, and how the timing of your claim affects the size of your monthly benefit.

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Financial Planning Fridays #23: Market Votality Cushion

Financial Planning Fridays #23 explains the 'volatility cushion' Presilium uses for retired clients: the number of years a plan can meet spending needs using only income and bonds before touching stocks. A larger cushion gives the stock portion of a portfolio time to recover, reducing the risk of selling equities in a downturn.

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Financial Planning Fridays #22: 2023 Contribution Limits

Financial Planning Fridays #22 covers the 2023 IRS contribution limits, the largest increases in history, and how to use them to maximize tax-advantaged retirement accounts. Saving into 401(k)s, IRAs, and similar accounts is one of the most effective annual investment moves because of their significant tax advantages.

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Insights

Financial Planning Friday’s – What’s Your Cushion

This Financial Planning Fridays teaser (#23) introduces the volatility cushion: how many years a retiree's plan can be funded from income and bonds before tapping stocks. The full episode explains why this buffer is a key retirement risk measure that lets the equity portion of a portfolio recover after a downturn.

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Insights

Financial Planning Friday’s – How to Maximize the 2023 IRS Limits

This Financial Planning Fridays teaser (#22) previews how to maximize the 2023 IRS contribution limits. The full episode explains how the record increases let savers contribute more to tax-advantaged retirement accounts, making the start of the year an ideal time to set up contributions.

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Insights

Financial Planning Friday’s – Why It Currently Pays to Think Short-Term

This Financial Planning Fridays teaser (#18) introduces the yield curve and why it currently pays to think short-term with cash and bonds. The full episode explains how the yield curve, which plots interest rates across bond maturities, guides where to position the cash and fixed-income portion of a portfolio.

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Financial Planning Fridays #18: The Yeild Curve

Financial Planning Fridays #18 explains the yield curve, an illustration of interest rates on bonds across different maturity dates, and how it informs where to allocate money held in cash and bonds. Understanding maturities and the return of principal helps investors position the fixed-income side of a portfolio.

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General: Required Minimum Distributions: A Higher Level Overview

This standalone video gives a high-level overview of required minimum distributions (RMDs), the amounts the IRS requires retirees to withdraw from tax-deferred accounts such as traditional IRAs and 401(k)s once they reach the applicable age. It explains why RMDs matter for retirement income and tax planning.

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Financial Planning Fridays #6: Account Withdrawal Order

This Financial Planning Fridays episode explains how the order you take withdrawals from your retirement accounts can significantly affect reaching your goals. Many clients hold three account types, after-tax, IRAs/401(k)s, and Roth IRAs, each with different tax rules, and a good plan models how much to draw from each.

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Financial Planning Fridays #5: A Key Way to Manage Risk

Presilium measures portfolio risk by comparing the retirement income you need each year against what you hold in cash and short-term bonds. This shows how many years of spending you could cover without selling stocks in a downturn, helping retirees avoid forced sales at the worst time.

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General: Your Retirement Plan’s Best-Kept Secret

This video highlights an often-overlooked feature inside employer retirement plans that can help diligent savers contribute more and improve tax efficiency. It is aimed at workers who want to maximize what their workplace plan allows beyond standard contributions.

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General: Interest Rates and the Value of Your Lump-Sum Pension

This video explains the inverse relationship between interest rates and lump-sum pension values: as rates rise, the lump-sum amount offered for a given pension typically falls. Workers weighing a lump sum versus a lifetime annuity should understand how rate timing affects the figure they are offered.

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