Can Your IRA Ever Be TOO Large?

Podcast: Managing Your Financial Future with Lucia Capital Group · Lucia Capital Group

Opublikowano: 2026-09-01

A large IRA or 401(k) balance sounds like a good problem to have. And in many ways, it is. But if too much of your retirement money is sitting in accounts that will eventually be taxed as ordinary income, the future tax bill may be larger than you expect. Tax deferral can be valuable, but it's NOT the same thing as tax planning. Required minimum distributions, Social Security taxation, Medicare premiums, and the tax burden on a surviving spouse can all be affected by how and when you draw money from different accounts. Sometimes the smarter move...