How Tax-Efficient Withdrawal Sequencing Works in Retirement

Episode 40 of The Tax Strategy Podcast. Lucas and Luna break down the tax-efficient order of withdrawals from retirement accounts—taxable brokerage, pre-tax 401(k), Roth IRA, and Health Savings Account. Using a concrete example for a married couple retiring in 2026 with $1.5 million in combined accounts, they walk through the logic of filling lower tax brackets with pre-tax money, tapping Roth accounts for big expenses, and using the HSA last for maximum tax-free growth. They also explain the 'tax torpedo' problem—how Required Minimum Distributions can push Social Security benefits into being taxed—and why a partial Roth conversion strategy in the early retirement years can save tens of thousands over a lifetime. No fluff, just practical sequencing that listeners can apply to their own retirement planning. #RetirementWithdrawals #TaxEfficient #RothIRA #TraditionalIRA #HealthSavingsAccount #RequiredMinimumDistributions #SocialSecurityTax #TaxTorpedo #RothConversion #TaxBracketManagement #RetirementPlanning #TaxStrategy #FexingoBusiness #BusinessPodcast #Finance #PersonalFinance #TaxPodcast #TSP40 Keep every episode free: buymeacoffee.com/fexingo