Tax Optimizer
Withdraw in the right order
Illustrative estimates only. Consult a tax professional before acting on these figures.
Tax-deferred
$813,456
64.5% of net worth
Tax-free
$148,000
11.7% of net worth
Taxable
$384,000
30.5% of net worth
Assets by tax bucket
Suggested withdrawal order
1
Required Minimum Distributions
Age 73+ from tax-deferred accounts
Regulatory
2
Taxable brokerage
Sell long-term holdings first
Lower cap-gains
3
Tax-deferred (401k / IRA)
Withdraw enough to fill lower brackets
Ordinary income
4
Tax-free (Roth)
Preserve as long as possible
Legacy
Estimated annual tax exposure (at retirement)
$7,809
Assuming 24% blended bracket on 4% withdrawals from tax-deferred accounts.