Joe Elsasser

Feb 12, 2024 | advisorperspectives.com | Wade Pfau |Joe Elsasser |Steven Jarvis

Research has demonstrated that intentional decisions about which accounts to withdraw from at which points in retirement can add significant financial value. The prior two articles in this series (here and here) examined an upper-middle and higher-income couple throughout retirement to demonstrate value that the effective marginal rate (EMR) framework developed by Covisum offers. Both articles presented case studies that made several assumptions that could be challenged by practitioners.

Dec 21, 2023 | advisorperspectives.com | Robert Huebscher |Rick Kahler |Wade Pfau |Joe Elsasser

As is our custom, we conclude the year by reflecting on the 10 most-read investment and planning articles over the past 12 months. Tomorrow, we will highlight the 10 most-read practice management articles. In decreasing order, based on the number of unique readers, those are:Social Security is Not a Retirement Safety Netby Rick Kahler, 5/22/23Social Security has always been born from political rather than financial necessity.

Dec 18, 2023 | advisorperspectives.com | Wade Pfau |Joe Elsasser

This article is part two in a series on tax-efficient retirement distributions. Much of the groundwork used here was laid out in part 1, and readers may refer to it for greater context. Whereas part 1 focused on mass-affluent taxpayers, in part 2, we analyze a case study for a wealthier couple with $5.5 million in investment assets and a larger retirement spending goal.

Nov 13, 2023 | flipboard.com | Wade Pfau |Joe Elsasser

Managing Taxes in Retirement using the Effective Marginal Tax RateResearch on tax-efficient retirement distribution strategies aims to sequence withdrawals from taxable, tax-deferred, and tax-exempt accounts to …