Tax Planning for the Gray Tsunami

Tuesday, April 21, 2015 Alliance Networking Series

Join Katherine Roy for an in-depth look at strategies for pre-retirees to maximize retirement savings now and manage income taxes in retirement. She will delve into retirement income sources including social security, retirement plans, and various types of income from taxable assets. During the luncheon presentation, Katherine will explore the following questions:

  • Is the old rule of thumb—withdraw from taxable assets first and then from tax-deferred accounts—still applicable?
  • Are there advantages to tapping retirement assets sooner than age 70½ when Required Minimum Distributions (RMDs) begin?
  • Can a Roth conversion help clients minimize taxes in retirement?

FPA of San Francisco

Katherine will present case studies to illustrate scenarios and their resulting impact on retirees’ portfolio values, meeting spending needs as well as taxable income and withdrawals. The strategies covered have significant implications for the retiring waves of the Baby Boomer Generation. Financial advisors will gain insights on ways to incorporate income tax planning as part of retirement income discussions with their clients.  



Katherine Roy, CFP®

Katherine Roy, Managing Director, is Chief Retirement Strategist and Head of Individual Retirement for J.P. Morgan Funds. In this role, Katherine is responsible for delivering timely personal retirement-related insights to financial advisors. Focused on the retirement income-related landscape for more than 10 years, Katherine specializes in identifying themes, strategies and solutions that can help advisors successfully partner with individuals in the transition and distribution life stages.

Katherine is consistently ranked as a top speaker at major industry and firm-specific conferences and events. She also has been interviewed and quoted in the financial press on a variety of key retirement planning topics.

Prior to joining the firm, Katherine was Head of Personal Retirement Planning & Advice at Merrill Lynch where she led strategy and innovation in retirement income solutions for individuals, and the retirement planning, advice and guidance programs available to integrated benefits plan participants. She also held several roles in financial planning product development, participant communications and consulting, and interactive client experience initiatives. Katherine received a B.A. from Yale University and is a Certified Financial Planner®.


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