Skip to main content

Retirement Investment Planning

Will you be in a lower income tax bracket during your Retirement Years than you were in during your Working Years?  That’s been the assumption but it seems increasingly in question given the following:

  • US debt is at alarming, historically high levels (see US Debt Clock)
  • Many US states have income taxes beyond the federal tax burden
  • You may live longer than you anticipated, stretching your resources
  • Long term care and health care expenses may be more likely than you anticipated because you may live longer to experience more ailments.

If I asked you the question:  “What is the next move for income tax rates?  Up, down, or remain the same?”  What would you guess?

Many Americans may guess “up”.

Find an Advisor

Economic Signals

All of the above signals a need to invest–to take some risk–to help generate enough return to fuel your retirement.

Why?  Because preservation of capital strategies may not generate sufficient returns to keep your resources–which many Americans will ultimately convert to retirement income–ahead of inflation to last as long as you do.  You may be retiring but you also may have 20-30 years ahead of you.  That’s more than enough time to participate in the expected growth of the world’s economy during that time through investing.

Find an Advisor

Lifetime Investor

If you think once you retire your investing needs may be over, think again.  Retirement investment planning may be a part of your life for the rest of your life.

Find an Advisor

Investing In Retirement Years

What’s the difference between investing after retirement and investing before retirement?

Before you retire you may not need to use your retirement money.  Once retired, you do.  So, you need to plan your investments more carefully.

Short Term = Minimal Risk

One of the cardinal rules in investing in retirement–or whenever you need cash in the next 1-2 years–is to put the cash you know you need within 1-2 years aside, safely.  You shouldn’t put money you know you’ll need soon at risk.  This way, if the market drops, you won’t worry how you’re going to pay next month’s retirement spending needs (i.e. pay your monthly bills).

What’s the difference between investing after retirement and investing before retirement?

Before you retire you may not need to use your retirement money.  Once retired, you do.  So, you need to plan your investments more carefully.

Retirement Resources


What Financial Legacy Will You Leave?

There used to be a popular saying on t-shirts and bumper stickers that the person…

What Is a Certificate of Deposit (CD)

Have you ever heard the phrase to “park money”? Money that is “parked” (as a…

Navigating Long-Term Care Insurance

You may know long term care as elderly but it’s the same care:  it’s care…

3 Tax Efficiency Strategies


Convert your pretax accounts to after-tax accounts (Example:  401k to Roth IRA).  This will help immunize your retirement resources from the risk of higher income tax rates.  Start doing this when you’re age 60 each year up to the next tax bracket so you don’t increase your tax rate.  Consult your tax advisor if you have questions.

Tax Harvest

Use an asset manager (perhaps through a financial advisor for retirees) which offers tax harvesting (using losses to offset gains to reduce your tax liability) and tax overlay services (uses software to identify which financial positions to match to offset one another to reduce tax liability–it’s a step beyond tax harvesting).

Product Diversification

Use product diversification (munis, life insurance, and other products) to move your future income off-tax return.  Pay historically lower tax rates now so you don’t have to pay them later.  That will help keep your reported income lower later in life.

Sound intimidating?  It can be.  That’s why you might want to engage a financial advisor for retirees to help you navigate and manage through all of this.

Financial Planning




Having a . . .

1. Strategy you understand

2. your short term income needs not at market risk, and 

3. a longer term investment strategy that’s aligned with your risk-comfort level to help you outpace inflation

. . . can help make the financial side of your Retirement Years easier.

Take Our Quick Financial Quiz

How financially literate are you compared to the average American? You can take one of the shortest of those financial literacy quizzes here (it’s only 6 questions) to get a taste of the questions asked.

Take Our Quiz

Early Career

Gain insights into the financial journey of your early career. Discover the importance of financial literacy, avoid common mistakes, and make informed decisions.


Navigate your mid-career financial journey effectively with the right strategies. Are you getting the financial advice you need to reach your goals on time?


Prepare for a predictable retirement journey with effective preretirement planning and ensure financial security for your future.


Secure your financial future during retirement with effective retirement planning strategies. Expertly manage your money and maximize your savings.
These links are provided as a convenience and for informational purposes only. The links are not part of Osaic Wealth Inc. web site, and the link to outside web sites does not mean that. Osaic Wealth Inc. endorses or accepts any responsibility for the content, or the use, of the web site. Osaic Wealth Inc. does not guarantee the sequence, accuracy or completeness of the data or other information appearing on the linked pages. The company assumes no liability for any inaccuracies, errors, or omissions in or from any data or other information provided on the pages, or for any actions taken in reliance on any such data or information.