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Retirement Income: Which Account, When? (Chapter Hosted Webinar)

September 12, 2018 @ 9:00 am - 10:00 am

Program Overview

A variety of research exists on when to harvest from different accounts to create a more tax-efficient retirement income stream. Unfortunately, the research doesn’t seem to agree. Some demonstrates the value of using nonqualified money early in retirement while other research demonstrates the value of using IRA funds. Most of the research is presented through case studies. Ultimately, these decisions are unique to client circumstances, resources, and risk preferences, making an individualized decision critical. This presentation addresses what to consider in terms of income stability, risk, and tax, and how to discuss these issues with clients.


Attendees will learn:

  • What to consider when deciding which accounts to harvest from and at which points in retirement
  • How to identify future tax issues related to RMDs
  • Why partial annual Roth conversions may be more compelling now than ever before
  • When to hold off on IRA distributions until 70 1/2, and when not to.


Featured Speaker:

Joe Elsasser, CFP, RHU, REBC is president of Covisum, a fintech company providing software, training, and support for financial advisors and enterprises. He is a Certified Financial Planner® and continues to work with individual clients through his own registered investment advisor firm. In 2010, Joe developed Social Security Timing® software which, since its launch, has grown exponentially, now serving over 20,000 financial advisors nationally. Through Covisum, Joe introduced Tax ClarityTM in 2016 and in early 2017, Covisum acquired SmartRisk. Based in Omaha, Nebraska, Joe co-authored “Social Security Essentials: Smart Ways to Help Boost Your Retirement Income,” is a regular speaker at industry events, and is frequently interviewed by trade and national media.


CE Credits

1 CFP® credit, 1 CPE (accounting) credit, and 1 PACE/PRCE (Professional Recertification) credit have been applied for.

For those requesting credits, a certificate of completion will be emailed to you about a week after the webinar, upon successful completion of the webinar.


Registration Fee (includes PowerPoint and Continental Breakfast)

Members: Free (included with membership); Guests: $20

$5 extra for CE

RSVP: Nancy Williamson, Esq. Board Member

Email: nlwlaw@gmail.com


September 12, 2018
9:00 am - 10:00 am
Event Categories:
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Silicon Valley FSP Chapter


Office of Jesse G. Dogillo, CFP®
102 Persian Dr., Suite 204
Sunnyvale, CA 94089 United States
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