{"id":2820,"date":"2016-02-15T05:55:54","date_gmt":"2016-02-15T13:55:54","guid":{"rendered":"http:\/\/evergreensmallbusiness.com\/?p=2820"},"modified":"2016-01-13T14:26:00","modified_gmt":"2016-01-13T22:26:00","slug":"why-you-dont-need-to-worry-about-taxes-in-retirement","status":"publish","type":"post","link":"https:\/\/evergreensmallbusiness.com\/why-you-dont-need-to-worry-about-taxes-in-retirement\/","title":{"rendered":"Why You Don\u2019t Need to Worry about Taxes in Retirement"},"content":{"rendered":"

\"Retirement_Plan\"<\/a>As a tax accountant, I am programmed to think about taxes. To worry about people paying too much in taxes. To obsess over tactics that allow clients to grind down their federal and state payroll and income tax liabilities.<\/p>\n

In short, if there\u2019s a personality type that worries too much about taxes, I\u2019m in that group. But with that said, let me endorse and underscore something that William Bernstein, the Portland physician, financial writer and investment adviser, said\u00a0in a recent interview with the International Business Times<\/em> (see here<\/a>).<\/p>\n

Bernstein\u00a0said people shouldn\u2019t worry about the taxes they\u2019ll pay in retirement because they\u2019ve saved a bunch of money\u00a0inside their tax-deferred accounts.<\/p>\n

Thank you, Dr. Bernstein. Taxes on retirement accounts are not<\/em> something that many people need to worry about. And because people do worry about them too much, I want to share some additional tax-related thoughts to amplify his remark.<\/p>\n

Most People Are in the Great Majority<\/h2>\n

Let\u2019s get the most significant reason\u2014and the most awkward reason\u2014out here first: Most people don\u2019t save anywhere near enough for retirement to worry about the taxes they\u2019ll owe when they withdraw money from their tax-deferred accounts.<\/p>\n

Note:<\/strong> This reality explains why most people should not use a Roth-style account, something we\u2019ve discussed in other posts at this blog, including here.<\/a><\/p>\n

You can get data from a bunch of different sources that elaborates on this awkward reality. And the data doesn\u2019t all perfectly sync up, but just to start with\u00a0one reasonable source: Look at the savings data reported by the Employee Benefits Retirement Institute in a fact sheet based on 2014 data. (See, for example, figure 3 on page 2 of this document<\/a>.)\u00a0The median retirement savings of someone in the 55-or-older age group\u2014people either on the doorstep of retirement or in retirement\u2014equals about $50,000. That savings level may produce\u00a0around $2,000 a year of retirement income,\u00a0but\u00a0surely\u00a0that income won\u2019t be taxable.<\/p>\n

And the fact is, even\u00a0retirees who\u2019ve saved a lot more won\u2019t often pay much in income taxes during retirement. Let me dig into this a bit because people often don\u2019t do a thorough job with their accounting.<\/p>\n

Remember that Social Security benefits often aren\u2019t taxable. Benefits only get taxed when the sum of any\u00a0non\u2013Social Security\u00a0income plus half of any Social Security benefits exceeds $25,000 (or $32,000 for a married couple filing jointly). This means, however, that when you combine typical Social Security benefits with withdrawals from even nicely sized IRAs and 401(k)s, most people just don’t have much tax to worry about.<\/p>\n

The accounting gets complicated, but we have mocked up realistic tax returns in our office where a single taxpayer with $25,000 of Social Security benefits who is\u00a0withdrawing required minimum distributions from a\u00a0$450,000 IRA pays no income taxes.<\/p>\n

We’ve done the same thing for a married couple with $32,000 in Social Security benefits who are\u00a0withdrawing required minimum distributions from a $600,000 IRA, and again our calculations show this couple pays no income taxes.<\/p>\n

It is tricky to accurately calculate the percentile rank of someone with these retirement savings balances. (There’s an online calculator you can use here<\/a> that estimates the percentile rank of various retirement savings balances based on Federal Reserve data.) But I feel comfortable guessing that these balances put someone in the top 10%\u00a0or very close to the top 10%.<\/p>\n

Note:<\/strong> In another post here<\/a>\u00a0we talk about what Federal Reserve and IRS data suggest the top 10%, top 5% and top 1% look like.<\/p>\n

The bottom line? Most of us simply don\u2019t save enough for retirement to pay much income\u00a0tax during retirement.<\/p>\n

Why the Top 10% Probably Doesn\u2019t Need to Worry, Part 1<\/h2>\n

If you or you and your spouse have done a really outstanding job saving for retirement\u2014say you\u2019ve amassed a big six-figure or even a seven-figure nest egg\u2014I still don\u2019t think you need to worry. Or at least not too much.<\/p>\n

But first, a digression: Let\u2019s not lose sight of the fact if you\u2019ve amassed a big six-figure or a seven-figure nest egg that you\u2019ve adequately prepared for retirement. Outstanding work. You\u2019ve accomplished the tough part. Sure, you\u2019ll pay some taxes. Somebody has to, right?<\/p>\n

But even though you will pay some taxes on retirement account withdrawals, you quite likely won\u2019t pay as much as you might worry.<\/p>\n

If you\u2019ve accumulated so much money in your retirement accounts that you\u2019re worried about income taxes, for example, you will probably actually leave substantial amounts of savings, intact and untaxed, inside your IRA and any similar accounts.<\/p>\n

In other words, and not to put too fine a point on this, but you or you and your spouse will probably die before you deplete your savings. (Again, remember that the scenario we\u2019re talking about here is where you\u2019ve amassed some rather substantial nest egg, so you do, in fact, need to pay rather substantial amounts of tax on withdrawals.)<\/p>\n

Whatever you leave untaxed after you\u2019re gone, however, is irrelevant. You are not, by definition, going to pay that tax. Maybe your heirs will. Maybe. But note that if you split something like an IRA among several beneficiaries (like kids and grandkids), you probably solve most of the theoretical tax problem we\u2019re worrying about that way.<\/p>\n

A $2,000,000 balance in a bunch of different tax-deferred accounts (a balance that\u2019s pretty tough to hit if you work out the numbers) becomes five \u201cmere\u201d $400,000 retirement accounts if you bequeath your savings to your three kids, your little sister, and that special-needs grandchild.<\/p>\n

The tax on a $400,000 account, as we\u2019ve discussed, is just not that bad if it’s drawn down\u00a0in retirement.<\/p>\n

Why the Top 10% Probably Doesn\u2019t Need to Worry, Part 2<\/h2>\n

Okay, so what if you or your spouse does live an absurdly long time. Long enough that you guys do seriously begin to erode some\u00a0gigantic account balances. That does mean you\u2019re drawing down tax-deferred accounts and that you will pay bigger tax bills as you withdraw this money.<\/p>\n

Is this where things all get ugly? Well, maybe not\u2014at least in a discussion about taxes.<\/p>\n

If you live into your late eighties or nineties or beyond, you will probably begin to load up your tax return both with big required minimum distributions and with significant medical expense itemized deductions for stuff like assisted-living care. But\u00a0here\u2019s the thing people miss about this scenario: This income and these expenses may net out against each other on your tax return and mean you don\u2019t need to worry about taxes on distributions.<\/p>\n

In other words, if you\u2019re paying, say, $100,000 a year for assisted care, that will shelter the income taxes on nearly 90% of $100,000 of retirement account withdrawals. (Medical expense itemized deductions are only deductible to the extent total medical expenses exceed 10% of the taxpayer\u2019s adjusted gross income and only if the taxpayer itemizes deductions. Accordingly, you won\u2019t be able to shelter 100% of a $100,000 withdrawal via $100,000 of medical itemized deductions\u2014only a generous chunk of the withdrawal.)<\/p>\n

Only a Small Lucky Cohort Needs to Worry<\/h2>\n

So who\u2019s left to worry about their taxes on retirement income? People who save a bunch, live a long time, get a lucky streak in their investments and then stay healthy and independent to the very end.<\/p>\n

No offense, but I don\u2019t think you want to worry about falling into this group. Gosh, we should be so lucky.<\/p>\n

\n

\"ebook-covers\"<\/a>Want More Information?<\/h2>\n

The Internet is loaded with information, but you can\u2019t believe everything you read online. And making the info fit your specific situation is very difficult without guidance. We are here to help. We have some wonderful ebooks<\/a> available that are chock full of great advice. You should check them out.<\/p>\n

Want advice tailored to you? Give us a call or drop us an email<\/a> to find out if we\u2019re a good fit to work together to help you with your taxes and answer your questions. And keep in mind that all of our clients are eligible to\u00a0receive complimentary copies of our ebooks, so contact us before you buy a book. Maybe you will end up with the whole collection for free!<\/p>\n","protected":false},"excerpt":{"rendered":"

As a tax accountant, I am programmed to think about taxes. To worry about people paying too much in taxes. To obsess over tactics that allow clients to grind down their federal and state payroll and income tax liabilities. In short, if there\u2019s a personality type that worries too much about taxes, I\u2019m in that […]<\/p>\n","protected":false},"author":1,"featured_media":2876,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[10,20],"tags":[],"class_list":{"0":"post-2820","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-personal-finance","8":"category-retirement","9":"entry"},"yoast_head":"\nWhy You Don't Need to Worry About Taxes in Retirement<\/title>\n<meta name=\"description\" content=\"CPA Stephen L. Nelson explains why the great majority of people shouldn't worry about taxes in retirement due to retirement account withdrawals. 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