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Why the Typical Retirement Withdrawal Strategy Is Wrong

Many people have financial situations that call for a unique approach to withdrawing retirement savings.


Check out any website that offers retirement advice, and you're likely to come across the same suggested sequence for financial distributions: First, take from any taxable accounts; then tax-deferred; then tax-exempt.

That's the typical withdrawal strategy. That's conventional wisdom.

And, in my opinion, it's wrong. Or at least, it's wrong for many people.

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This article was written by and presents the views of our contributing adviser, not the Kiplinger editorial staff. You can check adviser records with the SEC or with FINRA.