Nancy Jianakoplos – Colorado State University

“As more and more Boomers reach their ‘full retirement age’ for Social Security, a pressing issue becomes how to arrange their income during retirement, rather than how to save for retirement. Should you make withdrawals from regular 401(k) accounts before Roth accounts? Should you rely on minimum required distributions, an equal percentage withdrawal, or annuitize retirement saving? What are the tax implications of any retirement income structuring decision? How these questions are answered can make a big difference in the quality of retirement experienced by many households.”

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