Question

Which accounts should I withdraw from first?

Answer

Withdrawal sequencing depends on your individual tax situation. A common approach is to draw from taxable accounts first, followed by tax-deferred accounts (like traditional IRAs), and finally tax-free accounts (like Roth IRAs). However, strategic planning with a tax professional may reveal opportunities for Roth conversions or other optimizations.

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We exist so you don’t have to worry about money. For more than 40 years, we’ve taken the sophisticated, time-tested approach that many ultra-high net worth individuals use to help manage their financial lives and made it accessible to more families.

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