2 1
D e c e m b e r 2 0 1 6
o p t i m i z i n g a f t e R - t a x R e t i R e m e n t i n C o m e :
f R e e e d U C a t i o n a l l U n C h e o n
According to a 2016 Study from the Urban Institute, life expectancy for
both men and women is increasing. In an interesting twist, the study also
found that the gender gap in life expectancy is shrinking. Now that we may all live
longer than we expected, how can a couple devise a plan to fund their expenses for
(hopefully) the next 30+ years?
A couple close to or in retirement should construct a multi-year Optimal After-Tax
Retirement Income stream that incorporates the timing and source of all income
produced by Social Security Elections, Retirement and Taxable accounts. The analysis
should account for Wealth Transfer Goals and Age Factored Enjoyment Thresholds
("I may get more in the future but I will enjoy it more today"). There are also many
intertwined tax ramifications and choices like ROTH conversions that need to be
analyzed and modeled for efficiency.
Optimized Transitions will be hosting an educational luncheon on
Tuesday, December 13 at 11:00 am at HealthQuest Fitness Club, 314 Rt. 31,
Flemington, NJ 08822. We will review the process for "Optimizing After-
Tax Retirement Income." Please join us afterwards for a catered lunch
by the fine folks at Matt's Red Rooster Grill. Limited space available.
Please RSVP to: Admin@OTWealth.com.
Optimizing
After-Tax Retirement Income
SOCIAL SECURITY: When Should A Beneficiary Start
Payments? What About Their Spouse?
RMDs: Estimated Amount Of Required Minimum Distributions
At 70 And Their Effect On Annual Marginal Tax Rates
Excess Assets: Planning Today For Wealth Transfer To
Children In The Future
Taxable Accounts: Managing The Timing And Amount Of Money
Distributed Per Annum
Rose-Colored Glasses: Effect Of Investment Return Assumptions
When Determining If A Family Will Run Out Of Money?
WWW.OTWEALTH.COM
Clinton, NJ Blue Ash, OH 1.800.216.0316
Optimized
Transitions
INDEPENDENT INVESTMENT COUNSEL
FREE EDUCATIONAL LUNCHEON
Hosted By:
Tuesday, December 13th at 11:00am
HealthQuest, 310 State Route 31, Flemington
Designing A Multi-Year
Optimal After-Tax Retirement Income Stream
That Incorporates The Timing And Source
Of All Income Produced By:
COMPLIMENTARY LUNCH FROM MATT'S RED ROOSTER
LIMITED SPACE! RSVP to Admin@OTWealth.com
Annuities: Good Idea In Retirement (Probably Not)?
ROTH Conversions: When Does A Conversion Make Sense?
What About The Uncertainty Due To Election Results?
Proceed With Caution: Our Concerns With Retirement
Calculators And Monte Carlo Simulations
t h e w o R K - f a m i l y C o n n e C t i o n
S U p p o R t S S t U d e n t S ,
S C h o o l d i S t R i C t S a n d f a m i l i e S
Each year The Work-Family Connection makes donations to the school
districts where their before and after school enrichment programs
are located. The donations vary based on the needs of the district, but may
include things like gift baskets for needy families, school supplies, money towards
graduation ceremonies, special events and/or fundraisers for the district. WFC
also regularly supports the students and families in our community
through financial aid, scholarships and free weeks of summer camp.
The Work-Family Connection takes pride in supporting its community
and allowing students of all demographics to experience our high-
quality enrichment programs and camps. If you have an individual
request or donation idea, please contact Christa Claytor at: email
cclaytor@theworkfamilyconnection.org. For more information about
our programs, camps, events and special enrichments, please visit:
www.theworkfamilyconnection.org.
The Work Family Connection wishes you and your family
a very Happy Holiday!
