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The Three-Bucket 401(k) Withdrawal Hack That Can Save Retirees Six Figures in Taxes
Key takeaways
- Defer Social Security until 70 to protect standard deduction room and avoid 85% benefit inclusion; verify $218,000 IRMAA threshold January yearly.
- Smart Asset s free tool can match you with a financial advisor in minutes to help you answer that today.
- A married couple, ages 64 and 65, retired last year with $2.4 million spread across a traditional 401(k), a Roth IRA, and a taxable brokerage account.
The Three-Bucket 401(k) Withdrawal Hack That Can Save Retirees Six Figures in Taxes Austin Smith Tue, May 12, 2026 at 5:15 PM GMT+7 5 min read Quick Read $145,000 annual spend withdrawn tax-free stacks $32,300 401(k) plus $90,000 brokerage gains inside 0% LTCG bracket plus $22,700 Roth.
Defer Social Security until 70 to protect standard deduction room and avoid 85% benefit inclusion; verify $218,000 IRMAA threshold January yearly.
Are you ahead, or behind on retirement? Smart Asset s free tool can match you with a financial advisor in minutes to help you answer that today. Each advisor has been carefully vetted, and must act in your best interests. Don t waste another minute; learn more here.(Sponsor)
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