ER Doc Advisor - Financial Planning & Taxes for Emergency Physicians

EP 219: Pre-Tax Retirement vs. Post-Tax Brokerage: Crunching the Numbers

Today, we’re revisiting a topic that keeps coming up in our conversations with clients and listeners—how to best approach your retirement contributions, specifically when it comes to choosing between pre-tax retirement accounts and post-tax brokerage accounts.

We'll get into the math involved with the decisions and when it may be appropriate to lean towards one over the other.

Topics Discussed:   

  • The most common questions we get about retirement contributions and what the conventional wisdom says.
  • The benefits of contributing to pre-tax vs.post tax.
  • Common confusion about paying from your accounts and the impact on taxes.
  • How to analyze where your contributions go based on your retirement age.
  • Why planning for RMDs should happen earlier than most people think about them.
  • How charitable donations and HSAs impact your pre- and post-tax accounts.
  • Why you may want to contribute to both kinds of accounts.

Resources Mentioned:

Tags:

Pre-Tax Retirement account, Post-Tax Brokerageaccount, retirement accounts, pre-tax account, post-tax accounts, pre-tax vs.post-tax, retirement planning, tax planning, emergency medicine, ER doc, ER doctor,