Skinner Wealth Strategies

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Tax Smart Retirement Planning

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A tax-efficient retirement income strategy is crucial to maximizing an investor’s probability of success in retirement. But what exactly is a tax-efficient retirement income strategy? Why is it important? Below we will tackle these questions and more. This review can also serve as a jumping-off point for a broader tax planning conversation.

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Inside the Guide

What You'll Work Through

  • Account sequencing

    Which of your taxable, tax-deferred, and Roth accounts should fund income each year — and why the answer changes over time.

  • Bracket management

    How to use lower-income years deliberately, including where Roth conversions fit and how much is too much.

  • Threshold awareness

    The income levels that quietly raise your Medicare premiums or increase the taxable portion of your Social Security benefit.

Frequently Asked Questions

What is a tax-efficient retirement income strategy?
It's a plan for which accounts you draw income from, and in what order, with the aim of reducing the total tax paid across your whole retirement rather than in any one year. It coordinates taxable, tax-deferred, and Roth accounts, and accounts for Social Security taxation, required minimum distributions, and Medicare premium thresholds.
Why does the order of withdrawals matter so much?
Because each account type is taxed differently, and because several important thresholds are triggered by your income in a given year. Drawing from the wrong account at the wrong time can push you into a higher bracket, increase how much of your Social Security is taxable, and raise your Medicare premiums — all at once.
What's in the guide?
A plain-language walkthrough of what a tax-efficient retirement income strategy is, why it matters, and the questions to work through. It's written to be a jumping-off point for a broader tax planning conversation.
What happens after I download it?
You'll get the guide by email immediately. We may occasionally send retirement and tax planning insights if you opt in — you can unsubscribe at any time. We do not sell your information.

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