Tax Efficient Retirement

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HERE'S WHAT YOU'LL RECEIVE!

WHAT'S IN THE GUIDE!

Early Withdrawals
Accessing retirement accounts too early can lead to significant penalties and unnecessary taxes.

Ignoring Roth Conversions
Failing to convert traditional IRAs to Roth IRAs can result in higher taxes during retirement withdrawals.

Social Security
Taking Social Security too soon can lock in lower lifetime benefits and affect tax brackets.

Overlooking RMDs
Missing Required Minimum Distributions (RMDs) can lead to massive tax penalties and forced large withdrawals.

Poor Tax Diversification
Not having a mix of taxable, tax-deferred, and tax-free accounts can lead to inefficient tax planning.

Neglecting State Taxes
Failing to account for state tax rates can significantly impact retirement income, depending on your state of residence.

Bad Withdrawal Sequence
Withdrawing from taxable accounts first can push you into higher tax brackets, diminishing overall savings.

Tax Loss Harvesting
Not using market downturns to offset gains through tax-loss harvesting can increase overall taxes.

Selling Too Quickly
Selling assets without considering capital gains taxes can reduce retirement savings by a significant amount.

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JP Morand & Company
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303-860-1234

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JP Morand & Company
6500 South Quebec Street
Suite 300
Englewood, CO 80111

303-860-1234

www.jpmorand.com

info@jpmorand.com

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