Tax Planning For High Net Worth Households

Retirement income is an engineering problem more than an investment one. The question is which account to draw from, in which order, and how to keep the tax bill smooth rather than lumpy across two or three decades.

Volatility is the price of the return, not a sign that something has broken. What matters is whether a fall in value forces you to sell something you would rather have kept, which is a question about your plan rather than about the market.

Registered accounts each do one job well and several jobs badly. Which one fits depends on your income now, your income later, and what you intend the money for, which is why the same account can be the right answer for one household and the wrong one next door.

There is usually more flexibility here than people expect. Learn more about fixed income