Episode 243 of our Retire With Style podcast is out now! In this week's episode of Retire with Style, Alex and I are continuing to work through your retirement income questions and this time, we cover everything from Roth conversions and withdrawal sequencing to hybrid retirement strategies and annuities.
We discuss why the traditional order of spending from taxable, tax-deferred, and Roth accounts isn't always the most tax-efficient approach, when larger Roth conversions may make sense, and how blending different account types can help manage your effective marginal tax rate.
We also spend some time on annuities, how to recognize an expensive or poorly designed product, what to look for when comparing options, and why I generally don't think of an annuity as an investment. When used for retirement income, its primary purpose isn't necessarily to maximize returns. It's an insurance contract designed to help protect against the risk of outliving your assets.
If you've ever wondered how annuities should actually fit into a retirement plan, or how your tax strategy and withdrawal decisions fit into the bigger picture. There's a lot to unpack in this episode. Listen now to learn more!
The Retire With Style Podcast Has a New Home!
We’re excited to share that all podcast episodes- past and present- are now available on our new site: RetireWithStyle.com. It’s your one-stop shop for catching up on episodes, watching video versions, and even submitting your own retirement questions for future shows.
You can also watch and subscribe to new video episodes on our YouTube channel, with fresh content every Wednesday.
Prefer to listen on your favorite podcast app? We’ve got you covered. You can still find Retire With Style on Apple Podcasts, Spotify, Podbean, Amazon Music, Audible, iHeart, TuneIn, and now YouTube Music.
Take a look around the new site and let us know what you think. Feel free to share with friends, and to reply here with any comments. Thank you, Wade Pfau, PhD, CFA, RICP Founder of Retirement Researcher
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