Tip of the Month | August 2025

Use Late Summer to Plan Strategic Withdrawals

Written By: Nick Ziarek, CFP®, CFA

If you’re retired, now is a good time to review how much you’ve withdrawn this year—and whether it’s in line with your income needs and tax strategy. Planning ahead for RMDs, charitable giving through Qualified Charitable Distributions (QCDs), or Roth conversions can help optimize your tax bracket before year-end. Don’t wait until December. Get ahead now while there’s plenty of time to adjust.