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Author: rfbsurfer Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: of 19378  
Subject: Distribution plan for new retirees Date: 12/13/2000 9:44 AM
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Is there information available to determine the best way(s) to utilize assets from both IRA and non IRA sources during the early stages of retirement?
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Author: FlaBuckeye Two stars, 250 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 5818 of 19378
Subject: Re: Distribution plan for new retirees Date: 12/13/2000 9:54 AM
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Take a look at http://www.i-orp.com
It's a great retirement planner and shows how to spend your before tax, after tax and Roth IRA's to make it last. I think it's one of the best calculators available.
Good luck and Happy Holidays.
Jim

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Author: rfbsurfer Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 5819 of 19378
Subject: Re: Distribution plan for new retirees Date: 12/13/2000 10:00 AM
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To FLABUCKEYE

Thanks for the heads up. Looks like a reasonable place to start.

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Author: TheBadger Big red star, 1000 posts Old School Fool Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 5820 of 19378
Subject: Re: Distribution plan for new retirees Date: 12/13/2000 10:05 AM
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As a general axiom, it is wise to look at your financial plan and, as best possible, exhaust your 401k/IRA assets first and your after-tax assets second; however, this is all secondary to making your assets provide the income stream you need.

IMHO, you should visit www.soapbox.com and view a variety of reports; particularly mine on "substantially equal periodic payments" which discusses how to make 401k/IRA withdrawals before the age of 59 1/2 without penalty.

TheBadger


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Author: DaChes Add to my Favorite Fools Ignore this person (you won't see their posts anymore) Number: 5836 of 19378
Subject: Re: Distribution plan for new retirees Date: 12/17/2000 12:30 AM
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I am recently retired, and am somewhat baffled by this statement:
"exhaust your 401k/IRA assets first and your after-tax assets second"

Without doing any detailed analyses, I've been thinking I should spend first from investments that are not tax-deferred, allowing IRAs and my 403b portfolios to continue compounding tax-free until I have to start mandatory distributions. What is wrong with my logic?

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