A $2 million retirement portfolio sounds like the ultimate goal, but portfolio size alone does not determine how much income you can actually generate or how long your money may last. In this video, we compare two hypothetical retirees to show why retirement efficiency, tax planning, and withdrawal strategy can be just as important as the amount you have saved.

We break down how Roth conversions, Social Security timing, tax-efficient withdrawal sequencing, portfolio allocation, and asset location can affect retirement income and long-term portfolio longevity. You’ll see how taxes and inefficient withdrawal strategies can create unnecessary drag, while thoughtful planning can help make your retirement assets work more efficiently.

If you’re approaching retirement or already retired, this case study can help you think beyond your account balance and focus on the factors that can have a meaningful impact on your retirement income strategy. To see how efficient your own retirement plan may be, request a complimentary retirement analysis through the link in the description.