Accumulation vs Decumulation Phase

What’s your distribution strategy for investment accounts in retirement?

Have you positioned your assets for tax efficient  distributions?

There are two distinct phases of ones financial life.

1) The Accumulation Phase: focuses on saving, investing, and building a financial nest egg for retirement.  Growth oriented with long-term investment horizon.

2) The Decumulation Phase: focuses on tax efficient distributions from the assets you’ve accumulated throughout your working years.  Stability oriented with shorter investment horizon.

All important things to consider......... and things a trusted financial advisor should be helping you with.