Timothy Sumer

In the second part of my DIY Retirement Withdrawal Strategy spreadsheet redesign, I look at the real simple formula I am using. I also review the fix I made to the spousal Social Security calculation to prevent our spouse from taking a spousal benefit before the primary benefit starts. I am not a professional. I have no initials after my name, so take these as entertaining ideas from one educated consumer to another. Always do your own due diligence. And seek out a professional if you need one. Be sure to hit the notification for Part 3 of this series.... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTING IRA TO GOLD: Gold IRA Account CONVERTING IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA Real Simple Tools in My DIY RWS Spreadsheet: Part 2 In our previous article, we introduced Real Simple Tools as a powerful toolset for managing spreadsheets. These tools offer help with various tasks, such as formatting data, sorting data,

Which accounts should you access first for income in retirement? A good retirement income plan can make or break your retirement. Retirement distribution planning is more complex than saving for retirement. Lane's Book The Holistic retirement planning Revolution GET YOUR OWN PROFESSIONAL Social Security Analysis and Strategy Report: Contact Us ... ( read more ) LEARN MORE ABOUT: IRA Accounts CONVERTING IRA TO GOLD: Gold IRA Account CONVERTING IRA TO SILVER: Silver IRA Account REVEALED: Best Gold Backed IRA As you approach retirement, it becomes essential to figure out how you will sustain your lifestyle without a regular paycheck. One of the most important questions that arise then is which accounts you should withdraw funds from first in retirement. It is a crucial decision because your withdrawals determine your taxable income, and impacts your social security taxability and eligibility for other government benefits. Here are some guideli

Is your retirement income withdrawal and tax planning strategy optimized for your retirement? You can schedule an appointment with one of our Retirement Experts to look at your situation and help you plan for your future. Call us at (920) 544-0576 or go to If doing some Roth Conversions is good, does that mean doing larger Roth Conversions is better? Should you convert all of your IRAs? How aggressive should you be on a conversion in a given year? These are common questions that we receive after many retirees find that Roth Conversions are necessary to optimize their retirement tax situation. As with most tax planning, the answer is... "It depends." In this video, we guide viewers through the key variables that determine how much you convert. We talk through who will benefit from converting everything and who will be better off leaving some tax deferred accounts to fill in lower brackets later in retirement. #RothConversion #RetirementIncomePlanning #M