Sep 4, 2025

If you’re not careful, the way you take money out of your retirement accounts could cost you tens of thousands of dollars in unnecessary taxes. The good news? With the right strategy, you can keep more of your hard-earned savings. In this episode, Ken Moraif (Founder & CEO of Retirement Planners of America) and CIO Jordan Roach cover:

• The biggest withdrawal mistakes retirees make
• How tax treatment differs across IRAs, 401(k)s, Roth accounts, and brokerage accounts
• Why sequencing your withdrawals can make (or break) your tax bill
• How withdrawals impact Social Security and Medicare costs
• Tips to maximize after-tax retirement income and avoid “stealth taxes”

Every dollar you save in taxes is another dollar you can spend on travel, family, or simply enjoying your second childhood without parental supervision. Subscribe for more retirement strategies.

RPOA Advisors, Inc. (d/b/a Retirement Planners of America ) (“Retirement Planners of America”, “RPOA”) is an SEC registered investment adviser with a primary business location in Plano, Texas. Registration as an investment adviser is not an endorsement by securities regulators and does not imply that Retirement Planners of America has attained a certain level of skill, training, or ability. The “Invest and Protect Strategy” (the “Strategy”) refers to a strategy that Retirement Planners of America fundamentally employs for its clients. Retirement Planners of America previously employed a similar strategy that it referred to as the “buy, hold, and sell” strategy or “buy hold, and protect” strategy. These videos are presented for informational and educational purposes only and should not be construed as personalized investment, financial, or tax advice. Opinions expressed herein are solely those of Retirement Planners of America as of the date of publication and are subject to change without notice. Cryptocurrency is highly speculative, involves a high degree of risk, and has the potential for loss of the entire amount of an investment. Please make sure you fully understand the risks involved before trading cryptocurrencies. Diversification and asset allocation do not guarantee a profit, nor do they eliminate the risk of loss of principal. Investing involves risks, including possible loss of principal. Past performance discussed in these videos is no guarantee of future results. Indicators such as the yield curve, building permits, investor sentiment, and credit conditions discussed herein are used for illustrative purposes only and are not reliable predictors of market performance or economic conditions.