How to design your retirement income strategy in 3 steps.

Retirement income isn’t just about saving—it’s about where you save! 💡🏦

Most people know about 401(k)s or IRAs, but they miss out on a diversified strategy that can help lower taxes and increase retirement income flexibility. Here’s how using three different types of accounts could make your future financially secure:

- Pre-Tax Accounts: 401(k)s or Traditional IRAs let you save with a tax break now. But all withdrawals are taxed as ordinary income in retirement.

- Roth Accounts: Grow your money tax-free! Withdrawals in retirement are tax-free, giving you an important source of income that isn’t hit by future tax hikes.

- Taxable Accounts: Regular investment accounts are often overlooked, but they give you flexibility—take money out at any time, handle big expenditures, and tap into long-term capital gains tax rates. No need to worry about required minimum distributions or penalties for early withdrawals.

When you strategically use all three account types, you can:

✔️ Lower your total retirement lifetime tax bill

✔️ Access money when needed for surprises or opportunities

✔️ Choose which bucket to pull from based on market conditions or income needs

Don’t let taxes or income surprises catch you off guard.