Retirement Income Services & Distribution Planning : Why It Matters
Birthdays Over 50 Worth Celebrating
Before you start planning for retirement, make sure you put these relevant dates in your calendar. Beginning at 50 years old, there are several birthdays that are essential to be aware of as they can influence your retirement timeline and overall financial plan.
How Fredericks Helps with Retirement Income Services & Distribution Planning
Personal planning with a generational perspective.
The shift from accumulation to distribution can be complex. With roots dating back to 1971, our family-led firm works closely with clients to help them use what they’ve built — intentionally, efficiently, and in a way that reflects their values.
- Coordinated Withdrawal Planning: Identify the most efficient way to access assets across taxable, tax-deferred, and tax-free accounts.
- Social Security Integration: Evaluate the timing of benefits as part of a broader strategy that supports your income needs.
- RMD and Tax-Aware Planning: Address required minimum distributions and assess how to reduce the tax impact of withdrawals.
- Income Gap Solutions: Explore ways to supplement income between fixed sources and your retirement spending goals.
What’s the best way to withdraw money from retirement accounts?
There’s no one-size-fits-all answer, but strategic withdrawal order matters. Our retirement income services help you decide when and how to draw from tax-deferred, taxable, and Roth accounts to support income and manage taxes.
When should I take Social Security to get the most benefit?
The timing of Social Security can impact your long-term income. We analyze how it fits into your overall retirement plan to help determine when to start collecting benefits.
How can I reduce taxes on my retirement income?
Coordinating withdrawals, managing RMDs, and considering Roth conversions can all help lower the long-term tax impact. We design income plans with tax-efficiency in mind.
