Скачать или смотреть 59-year-old Couple Retires with $200k/year At A 6.4% Annual Tax Rate

59-year-old Couple Retires with $200k/year At A 6.4% Annual Tax Rate‼️

💾 be sure to save for later 💾

⭐️ Here are the details ⭐️

☑️ John & Jessica are 59
☑️ They want $200k/year of immediate #retirementincome
☑️ They are also hoping for a #taxfreeretirement (or as close as possible)
☑️ They have $3.3M in a taxable brokerage investment account
☑️ They have $167k in taxable IRA's & $1.06M in Roth IRA's
☑️ They will get $4,000/month from #socialsecurity at age 62

⭐️ 4% Rule Works for them comfortably ⭐️

☑️ Since they have $4.5M they can easily just follow the #4percentrule
☑️ But, they like the idea of having some #guaranteedincome (to be more aggressive in the market)

⭐️ Creating 2 Guaranteed Income Streams (optimized for tax purposes) ⭐️

☑️ $167k from taxable + $833k from Roth accounts into (2) #incomeannuities
☑️ This creates an immediate, lifetime income of $5862/month

🚨 All of which can be collected #taxfree

⭐️ Principal Protection + Income Strategy for 10-years ⭐️

☑️ They also put $1M into a 10-year fixed annuity at 5.8% per year
☑️ This gives them a guaranteed $4833/month for 10-year

➕ they get their $1M back in 10-years‼️

This also gives them a 45% increase on retirement income that would otherwise be in the market 🤯🤯🤯

(5.8% withdrawal vs. The 4% Rule) 😏

🌟$200k/year at 6.4% annual tax rate🌟

Because of the way they positioned their money they have drastically lowered their tax bill 💸

🔥 $5,000/month tax-free income from Roth IRA Annuity (for life)

🔥 $615/month tax-free income from Social Security (15%+ is always tax-free)

🔥 $2,433/month is TAXABLE income collected tax-free via tax-deductions (standard deduction at minimum)

So we have $8,050/month 100% tax-free....

and they will only pay $12k/year in federal taxes (about 6.4% per year) 🤯🤯🤯

They can also leverage more favorable capital gains tax rates as needed to prevent future tax increases from negatively affecting them in retirement 😏

Let's chat 💬😎