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Taxes in Retirement

Assuming tax rates do not change, Vanguard's research suggests first depleting non-qualified accounts. If tax brackets are expected to rise in the future, then tax-deferred and ROTH accounts last. If tax brackets are expected to fall in the future, ROTH then tax-deferred last. This academic study did not consider the taxation of Social Security benefits or the advantages of coordinating withdrawals to minimize taxes.

Coordinating withdrawals from your non-qualified, pre-tax and after-tax (non-deductible and ROTH) portfolios is a valuable tax-planning strategy.  This is discussed in depth in the Retirement Income Planning section of this website.

NOTE: 

Coordinate portfolio withdrawals from pre-tax and after-tax assets to minimize taxes in Retirement

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