Wade D. Pfau: Creating Tax Efficiency for Retirement Income – Jackson Life – 8.23.23

January 3, 2021

Overview:

Title: Wade D. Pfau: Creating Tax Efficiency for Retirement Income

Date: Wednesday, August 23, 2023

Time: 1:00 PM Eastern Daylight Time

Duration: 1 hour

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Summary:

Now On Demand

Designing efficient retirement strategies can be challenging, especially when it comes to making sound decisions about tax implications. Determining the optimal timing for paying taxes is crucial to maximizing after-tax spending and legacy for a client’s asset base. Understanding our progressive tax system and its impact on retirement planning is essential to address this factor.

Join retirement income expert Wade D. Pfau, Ph.D., as he shares tax-efficient strategies that may help extend your clients’ portfolio longevity while minimizing their tax burden.

Discussion topics include:

The logic of tax efficiency

Tax-efficient retirement distribution strategies

Pitfalls to monitor when generating more taxable income

Speaker:

Wade D. Pfau, Ph.D., CFA, RICP Co-Founder, Retirement Income Style Awareness LLC; Founder, Retirement Researcher; Professor of Practice, The American College of Financial Services

Wade D. Pfau, PhD, CFA, RICP^® is the founder of Retirement Researcher, an educational resource for individuals and financial advisors on topics related to retirement income planning. He is a co-founder of the Retirement Income Style Awareness tool and a co-host of the Retire with Style podcast. He also serves as a principal and the director of retirement research for McLean Asset Management. He also serves as a Research Fellow with the Alliance for Lifetime Income and Retirement Income Institute. He is a professor of practice at the American College of Financial Services and past director of the Retirement Income Certified Professional^® (RICP^®) designation program. He holds a doctorate in economics from Princeton University and has published more than sixty peer-reviewed research articles in a wide variety of academic and practitioner journals. He is a contributor to Forbes, Advisor Perspectives, and an Expert Panelist for the Wall Street Journal. Wade’s newest book is Retirement Planning Guidebook: Navigating the Important Decisions for Retirement Success. He is also the author of three other books in the Retirement Researcher Guide Series.

Jackson, its distributors, and their respective representatives do not provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used and cannot be used for the purpose of avoiding U.S. federal, state, or local tax penalties. Tax laws are complicated and subject to change. Tax results may depend on each taxpayer’s individual set of facts and circumstances. Clients should rely on their own independent advisors as to any tax, accounting, or legal statements made herein.

Tax deferral offers no additional value if an annuity is used to fund a qualified plan, such as a 401(k) or IRA. It also may not be available if the annuity is owned by a legal entity such as a corporation or certain types of trusts.

Diversification does not assure a profit or protect against loss in a declining market.

Annuities are long-term, tax-deferred vehicles designed for retirement and are insurance contracts. Variable annuities and registered index-linked annuities involve investment risks and may lose value. Earnings are taxable as ordinary income when distributed. Individuals may be subject to a 10% additional tax for withdrawals before age 59½ unless an exception to the tax is met.

Annuities are issued by Jackson National Life Insurance Company (Home Office: Lansing, Michigan) and in New York, by Jackson National Life Insurance Company of New York (Home Office: Purchase, New York). Variable annuities are distributed by Jackson National Life Distributors LLC, member FINRA. May not be available in all states and state variations may apply. These contracts have limitations and restrictions. Contact Jackson for more information.

Wade D. Pfau, Ph.D., CFA, RICP, The American College of Financial Services, McLean Asset Management, Retirement Researcher, Retirement Income Style Awareness, LLC, Retirement Income Institute, and Retire with Style are not affiliated with Jackson National Life Distributors LLC.

Jackson^® is the marketing name for Jackson Financial, Inc., Jackson National Life Insurance Company^® and Jackson National Life Insurance Company of New York^®. Jackson National Life Distributors LLC. OSJ: 300 Innovation Drive, Franklin, TN 37067, Phone: 800/565-8797.

Not FDIC/NCUA insured • May lose value • Not bank/CU guaranteed
Not a deposit • Not insured by any federal agency

CMN26780 08/23