IncomeConductor Co-Founder Phil Lubinski, CFP® recently had his article “The Reality of Liquidation Order for the Mass Affluent” published in the FPA Journal of Financial Planning.
Phil covers topics ranging from his definition of the “Mass Affluent” segment of investors, Roth IRA conversion strategies, the role of Reverse Mortgages in retirement income, and more. He tackles these topics in the context of “liquidation order” – a hot topic among advisors concerned about demonstrating tax savvy distribution approaches to their clients.
“Much emphasis has been placed recently on the impact of taxes and the most tax-efficient order of asset liquidation for producing income in retirement. But the fact is, liquidation order primarily impacts high-net-worth clients and does not have a significant impact, if any, on mass affluent clients.”