Do you know how to use your taxable account to its full advantage in retirement?
Your taxable account might be the most flexible (and most overlooked) tool in your retirement plan. Unlike retirement accounts with age restrictions and rigid rules, taxable accounts offer penalty-free access before 59½, making them ideal for early retirement. They can also help lower your reported income and reduce ACA healthcare premiums, since only capital gains count toward income—not the full withdrawal amount.
In this video, Eric Sajdak, ChFC®, explains that used strategically, a taxable account can also support Roth conversions, letting your entire converted amount grow tax-free while covering the tax bill separately. And in mid-retirement, coordinating taxable and IRA withdrawals can create major tax savings. Bottom line: don’t underestimate this account’s power to reduce taxes and add flexibility at every stage of retirement.
Learn how thoughtful planning gives you peace of mind, control, and confidence in your financial future. Call us at 920-672-4232 or go to https://www.meritfinancialadvisors.com/safeguard-wealth-mgmt/
Timestamps:
0:00 Taxable Accounts...
1:24 ...In Early Retirement
7:31 ...In Mid-Retirement
10:23 ...In Late Retirement
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Always remember, "You Don't Need More Money; You Need a Better Plan"
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