Want to pay less in taxes during retirement? You actually have more control over your tax rate than you might think. James breaks down how different investment accounts—like brokerage accounts, 401(k)s, Roth IRAs, HSAs, and inherited accounts—are taxed and how smart withdrawal strategies can help you minimize taxes over time. He also explains key concepts like the 0% capital gains bracket, step-up in basis, and Social Security taxation. Learn how to make tax-smart moves with your retirement income so you can keep more of what you’ve saved.
Questions answered:
1. How can I reduce the amount of taxes I pay in retirement?
2. How are different retirement accounts—like 401(k)s, Roth IRAs, brokerage accounts, and HSAs—taxed when I withdraw Money?
Submit your request to join James:
On the Ready For Retirement podcast: Apply Here
On a Retirement Makeover episode: Apply Here
Timestamps:
0:00 – Brokerage accounts
4:29 – Standard 401(k)
6:27 – Health savings account
9:54 – HSAs after age 65
11:00 – Inheritance
13:01 – Inherited IRA account
15:33 – Social Security
17:00 – Wrap-up
Create Your Custom Strategy ⬇️
Join the new Root Collective HERE!
Notifications
