TAX EFFICIENT

RETIREMENT

Presented by: Palak Sharma​

PRESENTED TO: MR. CHINMAY TIWARI

“TAX EFFICIENCY
MAXIMIZES RETIREMENT
INCOME!”
RETIREMENT
• The time of life when you no longer need to work to live comfortably,
and can rely on savings or passive forms of income to fund your
lifestyle.
• Traditionally, the retirement age was 65, and, most people live 15 to
20 years after turning 65 (on average).
“ IT’S NOT WHAT YOU
EARN, IT’S WHAT YOU
KEEP! ” 
RETIREMENT NEEDS
• Their likely retirement ages
• The income needed to maintain one's standard of living, based on
current annual expenses, a targeted retirement age, and an estimated
increase in the annual cost of living during retirement (inflation)
• The current market value of one's current savings and investments
• A realistic projection of the real rate of return on one's investments
• An estimated value of one's employer pension plan.
• The estimated value of one's Social Security benefits
 TAX EFFICIENCY

• Tax efficiency is the process of organizing an

investment so that it receives the least possible
taxation. It is an attempt to minimize one’s tax
liability for any investment or financial plan.
• Tax efficiency requires diligent structuring of
investments and financial plans
 TAX EFFICIENT RETIREMENT
• When it comes to retirement income planning, taxes are an important but often overlooked factor.
• Pre-retirees tend to assume their tax bracket will decrease after they leave the workforce and don’t
realize they could lose 25%–30% or more of their retirement income to taxes.
• tax-efficient planning begins with categorizing assets based on tax treatment.
i. Taxable Assets
ii. Tax-Deferred Assets
iii. Income Tax-Free, Estate Taxable Assets 
iv. Income Tax-Free and Estate Tax-Free Assets  
 TAX EFFICIENT RETIREMENT INCOME
WITHDRAWAL STRATEGIES

HEALTH LIFE TAXABLE REVERSE REAL

SAVINGS BROKERAG MORTGAG ESTATE
ACCOUNTS INSURANCE E E INCOME
ACCOUNTS
HEALTH SAVINGS ACCOUNTS

“Healthcare will likely be one of your largest

expenses in retirement, so why not pay with tax free
income?”

• HSA’s have a triple tax benefit:

• Tax deductible contributions
• Tax free growth
• Tax free distributions (if used for qualified medical expenses)
• This triple tax benefit is the reason it’s one of the most tax
efficient retirement income strategies!
 TAXABLE BROKERAGE
ACCOUNTS
• This bucket is one of my favorite tax efficient
retirement income strategies for three reasons:  
1. There is no income restriction on who can contribute
2. There is no cap on contributions
3. There is no early withdrawal penalty
REAL ESTATE INCOME
You often hear of real estate investors paying little to no taxes.  The
basic reason is the ability to deduct ongoing expenses from the
income.
• mortgage payments
• taxes
• insurance
• maintenance
• property management fees
• And the “BIG D”  – Depreciation!
THANK YOU