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Most retirees focus on how much they’ve saved. But one of the most overlooked retirement decisions has nothing to do with portfolio size — it’s the order your income shows up.

When retirement begins, your paycheck stops. Instead, income comes from multiple sources: your 401(k), traditional IRA, pension, and Social Security. Each has different tax rules, timing options, and long-term consequences.

In this video, I explain why retirement income sequencing can have a major impact on:

• Lifetime taxes
• Social Security taxation
• Required Minimum Distributions (RMDs)
• Medicare premium surcharges
• Long-term flexibility and cash flow stability

Many retirees unintentionally create higher tax brackets in their 70s, increase how much of their Social Security becomes taxable, and reduce future planning options — simply because income streams were turned on without coordination.

We’ll walk through:

• How 401(k) and IRA withdrawals affect tax brackets
• How Social Security interacts with other income
• Why starting a pension permanently raises baseline taxable income
• The risks of “set it and forget it” retirement income
• Why there is no universal right order

Two retirees can earn the exact same total income over retirement — and experience completely different outcomes — based purely on timing and sequence.

If you're approaching retirement and want to understand how to structure withdrawals, coordinate Social Security, and avoid unnecessary taxes, this video will help you think through the bigger picture.

If you'd like to review your retirement income order and see how it impacts your long-term tax picture, click the link above to schedule a conversation.

Jason Richert, Investment Adviser Representative. Securities offered through Cetera Wealth Services LLC. Advisory services offered through Cetera Investment Advisers, LLC, a registered investment adviser. McKay Retirement Consultants is not a broker/dealer and/or an investment adviser. This information is for educational purposes only and should not be construed as personalized tax or legal advice.










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