The Tax Strategy Most Retirees Completely Miss

Most people optimize what they invest in. Almost nobody optimizes where those investments live -- and that's where the real money is. Asset location in 90-ish seconds: Taxable brokerage -- keep it boring and tax-efficient. Index funds, low turnover, minimal dividends. You're paying taxes on this account every year, so don't give the IRS more than you have to. Traditional IRA / 401(k) -- this is where your tax-inefficient stuff belongs. Bonds, REITs, high-dividend strategies. The annual tax drag disappears because you're only taxed when you withdraw. Roth IRA -- your most valuable account. Tax-free growth, no RMDs. Put your highest-growth assets here, because every dollar of gain is yours to keep. The most common mistake we see? Bonds sitting inside a Roth IRA. You're sheltering the wrong thing. Swap them -- bonds to the traditional, growth assets to the Roth -- and you can still maintain your overall target allocation. The biggest tax planning opportunities are usually hiding in plain sight. 📅 lifepointplanning.com #RetirementPlanning #AssetLocation #TaxPlanning #RothIRA #FinancialPlanning #CFP #Retirees #PreRetirees #WealthManagement #RetirementIncome

Added 11 Apr 2026