NEW GUIDE: Withdrawals For Retirement Expenses Flowchart [November 2025]

Every withdrawal decision in retirement has tax implications. From funding healthcare to giving to charity, where the money comes from matters. The “Withdrawals For Retirement Expenses” flowchart helps you and your clients confidently decide which accounts to tap and when.

This guide covers:

• Common retirement expenses: income, healthcare, education, and charitable giving
• Tax treatment across IRAs, Roth IRAs, HSAs, and 529s
• How to avoid penalties and manage AGI thresholds and tax bracket shifts – and more!

➡️ Share your white-labeled guide in a client email or newsletter to jumpstart conversations and uncover new planning opportunities. Use the complimentary email starter copy for inspiration on introducing the guide to clients.

Download Now!

💡 Member Best Practice: Want to uncover more planning opportunities during client reviews? Here’s how to use this flowchart alongside the Client Annual Review Interactive Checklist for a more structured, effective meeting process.

➤ Send the Interactive version of the Client Annual Review Checklist, (available to Premier members) before the meeting to gather client updates and uncover potential planning gaps. You can customize the checklist to fit each client’s situation.

➤ Review checklist responses to spot tax-sensitive withdrawal needs.

➤ Use the Withdrawals For Retirement Expenses flowchart during the meeting to help decide which accounts to draw from next.

➤ Follow up with both guides, white-labeled with your branding, as clear and professional handouts.

➤ Watch this 5-minute demo to learn how to customize a checklist for each client and follow up with guides that address the specific planning issues they raise.