Most people spend decades saving for retirement, but far less time thinking about where they are saving. In many cases, money ends up heavily concentrated in traditional, pre tax accounts simply because that is what was available at work.
In this video, I walk through how I actually think about the mix of traditional, Roth, and brokerage accounts when helping someone plan for retirement. There is no universal “perfect” ratio. Instead, what really matters is how much flexibility your savings give you over time.
I explain how different account types work together and why the balance between them can impact things like taxes, retirement income, Medicare premiums, Roth conversions, and required minimum distributions. I also share real world examples showing how two people with similar savings can end up with very different outcomes based solely on how their money is structured.
In this video, you will learn:
➡️Why being pre tax heavy is common and what that can mean later in retirement
➡️How your account mix affects taxes and income throughout retirement
➡️Why flexibility often matters more than total savings alone
➡️How having multiple account types can create more planning options before and after Social Security begins
This video is especially relevant if you are within a few years of retirement, already retired, or starting to question whether your savings give you enough control going forward.
If you are wondering how your own mix of accounts fits into a broader retirement income plan, this is exactly the type of decision I help people think through as part of the retirement planning process.
News You Can Use
Get actionable financial advice delivered to your inbox a few times a month.