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Rubric Advisors · Disciplined Wealth Management · 100% Fiduciary Commitment · Fee Only
Rubric Advisors · 100% Fiduciary · Fee Only
Talk to an AdvisorCurated by: Rubric Advisors
Retirement Planning
Choosing between a pension lump sum and lifetime annuity involves longevity risk, investment assumptions, tax treatment, and survivor needs. A breakeven analysis helps frame the decision.
Pension Lump Sum vs Annuity, Evaluating Your Payout Options
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The order in which you draw from taxable, tax-deferred, and Roth accounts in retirement can make a six-figure difference in lifetime taxes, optimal sequencing is far more nuanced than the conventional wisdom suggests.
Investing & MarketsA clear breakdown of fixed, variable, and fixed indexed annuities, including how each works, their fees, tax treatment, and when they may fit into a retirement plan.
Retirement PlanningRules for 401(k) distributions, early withdrawal penalties, Rule of 55, hardship withdrawals, loans, 72(t) payments, RMDs, and rollover options explained.