Turn your savings into reliable retirement income with a tax‑smart withdrawal strategy.
Based on: Strategies To Create A "Retirement Paycheck" | Insights Live℠ | Fidelity Investments by Fidelity Investments
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What if the biggest threat to your retirement isn't the stock market — it's not knowing how to turn what you've saved into a paycheck that actually lasts? Most people spend decades accumulating wealth and almost no time figuring out how to sustainably spend it. That gap is where retirement dreams quietly fall apart.
Here's the uncomfortable truth: guessing your monthly expenses is one of the most dangerous things you can do before retiring. Fidelity experts Julie Ramos and Rita Assaf have seen it firsthand — clients who were convinced they spent $5,000 a month only to discover it was actually $7,000. That difference, stretched across 25 or 30 years, can mean the difference between a comfortable retirement and running out of money entirely. And that's before you factor in RMDs pushing you into a higher tax bracket, IRMAA Medicare surcharges catching you off guard, or inflation quietly eroding your purchasing power year after year.
Imagine instead sitting down with your retirement income plan and feeling genuinely confident. You know exactly which expenses are essential and which are flexible. You know your Social Security claiming strategy could increase your lifetime benefit by up to 24%. You have a clear withdrawal order across your taxable, tax-deferred, and Roth accounts. You've identified whether an income annuity fills a gap in your guaranteed income. You're using Roth conversions strategically during the income valley before RMDs kick in. That's not a fantasy — that's what a well-built retirement paycheck looks like.
Fidelity Investments is one of the most trusted names in retirement planning, and this webinar brings together two of their senior planning consultants to walk through exactly how they build these strategies for real clients. The insights shared here are the same frameworks used in one-on-one wealth management conversations — now distilled into a clear, step-by-step checklist you can follow on your own.
This PDF checklist walks you through every critical action: categorizing your expenses, calculating your Social Security options, evaluating annuities, sequencing withdrawals tax-efficiently, planning around RMDs, exploring Roth conversions, protecting against health care costs, and positioning your portfolio to withstand both inflation and market volatility. Everything from the webinar, organized so you can actually use it.
Every checklist item comes with actionable notes to guide you — things like "Don't forget to do this before you start," "Avoid this common mistake," or "Set a reminder for 30 days out." Nothing vague, just clear next steps.
+ 32 more action items inside...
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