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Drawdown of His and Her Retirement Accounts...?
Old 07-13-2016, 01:22 PM   #1
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Drawdown of His and Her Retirement Accounts...?

Here is my question....

Is there any prevailing strategy or considerations for how a married couple should or could drawdown their accounts each, his first then hers, or both equally?

How about drawdown of his/her accounts pre/post RMD age?

Our accounts values are pretty evenly split with both TIRA and Roths, 62/63, both retired, and we have not yet started SS. We have used single joint accounts for our entire married life.

My thought was to drawdown mine first (His) since actuarially I will most likely die first and then that would leave less red tape for my DW.

Appreciate your responses...long time reader, enjoy this forum greatly for its knowledge and insight.

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Old 07-13-2016, 02:52 PM   #2
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It should make no difference, since (unless your will specifies otherwise) what's yours will become hers when you die. And vice-versa. My only recommendation is to determine what works best tax-wise, and that will be gender-independent, I suspect.
"Good judgment comes from experience. Experience comes from bad judgement." - Anonymous (not Will Rogers or Sam Clemens)
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