Client PortalBook a Session

Tools09 of 09

Withdrawal Order Explorer

Which account should you spend first? Three jars, two orders. The order changes one thing: your federal tax. Tap an order, then drag across the years.

Taxable accountSavings or a brokerage account. Tax was already paid on this money.
IRA or 401(k)Tax is due when this money comes out.
RothComes out tax-free.
What you spend from these, a year
Other income on your return, a yearSocial Security, a pension, anything else that is taxed.
How you file
Your age now

Taxable first: no IRA money on your tax return for 5 years, then it all comes at once. A share from each: some IRA money every year. Over all the years, taxable first costs $6,518 more in tax.

Taxable$240k leftTax-deferred$600k leftRoth$200k leftwho pays each yearfederal tax each yearage 65 · $0 taxage 65age 83, the last year

TaxableTax-deferredRothFederal tax that year

Want this tool explained by email?

Short notes on this tool, one idea each, in plain words.

What this tool does and does not do

What this shows

Three accounts draining in the order you pick, who pays each year, the federal tax that year, and the tax over all the years for both orders.

What it does not do

Federal tax before credits on the standard deduction and the 2026 brackets: no growth, no state tax, no tax on Social Security, no required withdrawals. It saves nothing you enter.

These figures restate what you entered. They are not a projection, a recommendation, or a plan. A hypothetical illustration does not reflect the experience of any actual client. Nothing you enter is saved.

· The Heard First Session

Bring the numbers. We'll talk them through.

Give us an hour. Tell us what you've built, what the tool made you wonder about, and what you want the next part of your life to look like.

For those within five years of retirement or already there, with $1 million or more set aside. No cost. No obligation.

Book a SessionWhat happens in the hour →