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Retirement: Make your nest egg tax-efficient
When calculating living expenses in retirement, many preretirees forget to include taxes, says Andrea Blackwelder, a certified financial planner in Denver. That’s a big mistake because when it comes time to tap your tax-deferred accounts, such as your traditional IRAs and your 401(k), your withdrawals will be taxed as ordinary income, which means the money is taxed at your top tax bracket. You can take steps while you’re working that will minimize the tax bite in retirement...Read More
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