Tom and Linda, both age 62 had both retired from full-time employment. Their retirement funding included traditional IRAs, Roth IRAs, after-tax savings, Social Security, and rental income from a four-unit apartment building they owned. Linda was also doing some freelance writing for food magazines. Given the variable nature of the self-employment and rental income, Tom and Linda’s income tax exposure changed annually. Accordingly, we developed and adjusted annually, a retirement funding plan that drew from their various accounts in a way that minimized their current and long-term tax liability.*

*The above client story involves a current or former Pathway Client. Personal details, including names, have been modified to protect client confidentiality. Client success stories should not be construed as a guarantee that any current or prospective client will obtain the same or any particular level of success, performance, investment results, or experience if he or she engages Pathway Financial Advisors LLC to provide investment advisory services. Past performance and the experiences of other clients are not indicative of future results. Individual investment results may vary based on a variety of factors, including investment objectives, financial circumstances, market conditions, and other considerations.