What Your Financial Advisor Should Tell You About Tax Efficient Withdrawal Sequencing

In Episode 29 of The Financial Advisor Podcast, Lucas and Luna unpack a deceptively complex retirement question: which accounts should you draw from first? They walk through the classic 'taxable first, then tax-deferred, then Roth' rule of thumb — then explain why it's often wrong. Lucas brings specific numbers from a hypothetical retiree with a $1.2 million portfolio split across a brokerage account, a traditional IRA, and a Roth IRA. He shows how a naive withdrawal order can cost $90,000 in extra taxes over a 30-year retirement versus a dynamic strategy that fills lower tax brackets each year, manages Medicare premium surcharges (IRMAA), and coordinates with Social Security claiming. The hosts also discuss required minimum distributions as a forced timeline, how charitable donations via qualified charitable distributions can reduce taxable income, and why the 'taxable first' heuristic breaks down when you factor in capital gains rates versus ordinary income rates. This episode gives listeners a concrete framework to discuss with their own advisor — or to ask why their current plan doesn't consider it. #TaxEfficientWithdrawal #RetirementPlanning #WithdrawalSequence #RothIRA #TraditionalIRA #TaxableAccount #IRMAA #RequiredMinimumDistributions #QualifiedCharitableDistributions #SocialSecurity #CapitalGains #MarginalTaxRates #FinancialAdvisor #RetirementIncome #TaxStrategy #Finance #FexingoBusiness #BusinessPodcast Keep every episode free: buymeacoffee.com/fexingo