Insights
News & insights.
Thoughtful perspective on retirement, investing, tax and estate planning from the CDS Wealth Management team.
Tax Planning
Sequencing Withdrawals: A Tax-Smart Approach to Retirement Income
The order you pull money from taxable, tax-deferred, and tax-free accounts in retirement can meaningfully affect how much you keep after taxes. Here's a plain-language look at how withdrawal sequencing works and why it matters.
Social Security
When Should You Start Social Security? A Claiming Guide for Retirement Income Planning
Claiming Social Security as early as 62, at full retirement age, or as late as 70 changes your monthly benefit for life. Here's how to think through the tradeoffs, including spousal and survivor benefit considerations, before you decide.
Retirement Income
How to Build a Retirement Income Plan That Lasts
A practical, plain-language guide to turning a lifetime of savings into steady retirement income, covering how to coordinate Social Security, pensions, and portfolio withdrawals while planning for healthcare costs and inflation.
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