5 Ways to Optimize Your Retirement Plan (and Pay Less in Taxes)

Can a few straightforward tax moves actually improve your retirement plan? In this video I take one retirement plan and optimize it, then put the optimized plan next to the base plan so you can see exactly what changed and by how much.

ProjectionLab: https://go.robberger.com/projectionlab/yt-optimize-plan
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0:00 Base plan vs. optimized plan: what we're doing
0:28 Getting your data and base plan into ProjectionLab
1:47 A quick what-if: stress testing higher inflation
3:00 The four tax optimizations (and where to start)
3:51 Asset location: putting bonds in the right accounts
8:29 Roth conversions, drawdown order, and gain harvesting
10:04 Letting ProjectionLab optimize all three at once
16:00 Comparing the optimized plan to the base plan
17:42 A fifth lever: flexible spending and guardrails
22:24 How I'd actually use this, and my bottom line

ABOUT ME

While still working as a trial attorney in the securities field, I started writing about personal finance and investing In 2007. In 2013 I started the Doughroller Money Podcast, which has been downloaded millions of times. I've since sold my websites, bought them back, and started a new website and this YouTube channel.

I'm also the author of Retire Before Mom and Dad--The Simple Numbers Behind a Lifetime of Financial Freedom (https://amzn.to/3by10EE)

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DISCLAIMER: I am not a financial adviser. These videos are for educational purposes only. Investing of any kind involves risk. Your investment and other financial decisions are solely your responsibility. It is imperative that you conduct your own research and seek professional advice as necessary. I am merely sharing my opinions.

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