{"id":31599,"date":"2025-07-17T00:00:32","date_gmt":"2025-07-17T07:00:32","guid":{"rendered":"https:\/\/rizecu.com\/?p=31599"},"modified":"2025-08-20T14:55:49","modified_gmt":"2025-08-20T21:55:49","slug":"retirement-strategy","status":"publish","type":"post","link":"https:\/\/rizecu.com\/es\/article\/retirement-strategy\/","title":{"rendered":"Orchestrating your retirement strategy"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"31599\" class=\"elementor elementor-31599\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-16d74e6 e-flex e-con-boxed e-con e-parent\" data-id=\"16d74e6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2bbf116 elementor-widget elementor-widget-image\" data-id=\"2bbf116\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1080\" height=\"460\" src=\"https:\/\/rizecu.com\/wp-content\/uploads\/2507-Wealth-retirement-strategy-banner.png\" class=\"attachment-large size-large wp-image-31600\" alt=\"money icons on laptop\" srcset=\"https:\/\/rizecu.com\/wp-content\/uploads\/2507-Wealth-retirement-strategy-banner.png 1080w, https:\/\/rizecu.com\/wp-content\/uploads\/2507-Wealth-retirement-strategy-banner-768x327.png 768w, https:\/\/rizecu.com\/wp-content\/uploads\/2507-Wealth-retirement-strategy-banner-18x8.png 18w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6755bda e-flex e-con-boxed e-con e-parent\" data-id=\"6755bda\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-067ea2f elementor-widget elementor-widget-text-editor\" data-id=\"067ea2f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>An orchestra is a collection of instruments, each with its own voice. But it\u2019s the conductor who brings them together to create harmony.<\/p><p>The same can be said for your retirement planning.<\/p><p>Your 401(k), Traditional IRA, Roth IRA, and taxable savings each play a role \u2013 but it\u2019s the coordination between them that can bring your vision of retirement to life.<\/p><p><span style=\"font-size: 24px; color: #3d1054;\">Understanding the hierarchy of savings<\/span><\/p><p>Most of us have limited resources to set aside for retirement. That\u2019s why it\u2019s important to prioritize.<\/p><p>A typical savings hierarchy might look like this:<\/p><ul><li>Start with your 401(k), especially if you receive employer matching<\/li><li>Contribute to a Traditional IRA or Roth IRA \u2013 based on eligibility<\/li><li>Then direct additional funds to taxable savings or brokerage accounts<\/li><\/ul><p>Keep in mind: contributions to a Traditional IRA may be fully or partially deductible, depending on your situation. Roth IRAs, on the other hand, offer tax-free withdrawals in retirement \u2013 but come with income limits and a five-year holding rule for earnings.<\/p><p><span style=\"font-size: 24px; color: #3d1054;\">Making investments work together<\/span><\/p><p>How you invest across your accounts matters. One strategy is to mirror your target asset allocation across each account. Another is to get more strategic:<\/p><ul><li>Hold income-generating assets, like bonds, in tax-deferred accounts<\/li><li>Use taxable accounts for assets with potential capital gains, like stocks<\/li><\/ul><p>This approach can help you manage your overall tax burden. Just remember: all investments carry risk, and there\u2019s no guarantee that any strategy will prevent loss.<\/p><p><span style=\"font-size: 24px; color: #3d1054;\">Planning your withdrawals<\/span><\/p><p>Once you retire, coordinating withdrawals from your accounts can help extend your savings and manage your tax exposure.<\/p><p>Some strategies include:<\/p><ul><li>Drawing from taxable accounts first to allow tax-deferred savings more time to grow<\/li><li>Withdrawing from underperforming accounts first, letting stronger ones continue working<\/li><li>If you have both Traditional and Roth IRAs, your expected future tax rates can guide which one to draw from first<\/li><\/ul><p>For example, if you anticipate higher taxes later, you may want to take Traditional IRA withdrawals earlier. Or, you could withdraw up to the top of your current tax bracket from the Traditional IRA, then use Roth funds after that.<\/p><p>And don\u2019t forget: under current law, most retirees must begin taking required minimum distributions (RMDs) from their Traditional IRA or 401(k) by age 73.<\/p><p><span style=\"font-size: 24px; color: #3d1054;\">Every retirement plan needs a conductor<\/span><\/p><p>No two financial journeys are the same. That\u2019s why it\u2019s important to build a strategy based on your personal risk tolerance, time horizon, and goals \u2013 and revisit it regularly.<\/p><p><span style=\"font-size: 24px; color: #3d1054;\">Important considerations<\/span><\/p><p>This article is for informational purposes only and not intended as tax or legal advice. Everyone\u2019s situation is different \u2013 especially when it comes to IRA contribution rules, early withdrawal penalties, and tax implications. Please consult your tax or legal professional for guidance tailored to you.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e0f052 e-con-full e-flex e-con e-child\" data-id=\"4e0f052\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ce070f elementor-widget elementor-widget-text-editor\" data-id=\"4ce070f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-size: 24px; color: #3d1054;\">Ready to fine-tune your retirement strategy?<\/span><br \/>A Rize Wealth advisor can help you create a plan that brings all the pieces together \u2013 from investments to withdrawals and everything in between. Connect with us today to schedule your personalized consultation.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-b825b88 e-con-full e-flex e-con e-child\" data-id=\"b825b88\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7cf9711 elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"7cf9711\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/connect.rizecu.com\/?for=booking&#038;qa=b6bbfd10-2ced-11f0-bd8a-59f9fed59083\" title=\"Programa una cita\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Programa una 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elementor-share-buttons--view-icon elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-share-buttons--skin-gradient elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"66c730a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_x-twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en x-twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-x-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e9d927c elementor-widget elementor-widget-template\" data-id=\"e9d927c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t\t\t<div data-elementor-type=\"container\" data-elementor-id=\"26510\" class=\"elementor elementor-26510\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3284c407 e-flex e-con-boxed e-con e-parent\" data-id=\"3284c407\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-18d6e18c elementor-widget elementor-widget-text-editor\" data-id=\"18d6e18c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p class=\"translation-block\">Los profesionales financieros asociados con LPL Financial pueden discutir y\/o realizar transacciones comerciales solo con residentes de los estados en los que est\u00e1n debidamente registrados o autorizados con licencia. No se pueden realizar ni aceptar ofertas de residentes de ning\u00fan otro estado. <strong>Los valores son ofrecidos a trav\u00e9s de LPL Financial (LPL), un corredor de bolsa registrado (miembro de <a title=\"FINRA\" href=\"https:\/\/www.finra.org\/\" target=\"_blank\" rel=\"noopener\" data-feathr-click-track=\"true\" data-feathr-link-aids=\"633782beb51e621dfdb34d02\">FINRA<\/a>\/<a title=\"SIPC\" href=\"https:\/\/www.sipc.org\/\" target=\"_blank\" rel=\"noopener\" data-feathr-click-track=\"true\" data-feathr-link-aids=\"633782beb51e621dfdb34d02\">SIPC<\/a>).<\/strong>Los productos de seguros son ofrecidos a trav\u00e9s de LPL o sus afiliados autorizados con licencia. El asesoramiento de inversiones es ofrecido a trav\u00e9s de Global Retirement Partners (GRP), un asesor de inversiones registrado y una entidad independiente de LPL Financial. Rize Federal Credit Union (Rize CU) y Rize Wealth  <strong><span style=\"text-decoration: underline\">no est\u00e1n<\/span><\/strong> registrados como corredores de bolsa ni asesores de inversi\u00f3n. Los representantes registrados de LPL ofrecen productos y servicios a trav\u00e9s de Rize Wealth y tambi\u00e9n pueden ser empleados de Rize CU. Estos productos y servicios son ofrecidos a trav\u00e9s de LPL o sus afiliados, los cuales son entidades separadas y no afiliadas a Rize CU o Rize Wealth. Los valores y seguros ofrecidos a trav\u00e9s de LPL o sus afiliados son:<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5404d3c3 e-grid e-con-boxed e-con e-child\" data-id=\"5404d3c3\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a749545 elementor-widget elementor-widget-text-editor\" data-id=\"1a749545\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong>No asegurados por la NCUA o cualquier otra agencia gubernamental<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e91c7b elementor-widget elementor-widget-text-editor\" data-id=\"6e91c7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong>No Credit Union guarantee<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-de310c4 elementor-widget elementor-widget-text-editor\" data-id=\"de310c4\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong>No son obligaciones o dep\u00f3sitos de la Credit Union<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-966d362 elementor-widget elementor-widget-text-editor\" data-id=\"966d362\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p style=\"text-align: center;\"><strong>Pueden perder valor<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-120cabc0 elementor-widget elementor-widget-text-editor\" data-id=\"120cabc0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Rize Federal Credit Union (Rize CU) proporciona referencias a profesionales financieros de LPL Financial LLC (LPL) de conformidad con un acuerdo que permite a LPL pagar a Rize CU por estas referencias. Esto crea un incentivo para que Rize CU haga estas referencias, lo que resulta en un conflicto de intereses. Rize CU no es un cliente actual de LPL para servicios de asesoramiento. Por favor, visita <a href=\"https:\/\/www.lpl.com\/disclosures\/is-lpl-relationship-disclosure.html\" target=\"_blank\" rel=\"noopener\" data-feathr-click-track=\"true\" data-feathr-link-aids=\"633782beb51e621dfdb34d02\">lpl.com<\/a>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>An orchestra is a collection of instruments, each with its own voice. But it\u2019s the conductor who brings them together to create harmony. The same can be said for your retirement planning. Your 401(k), Traditional IRA, Roth IRA, and taxable savings each play a role \u2013 but it\u2019s the coordination between them that can bring [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":31600,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[17,163],"tags":[],"class_list":["post-31599","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-personal-finance","category-rize-wealth"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Orchestrating your retirement strategy | Rize Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rizecu.com\/es\/article\/retirement-strategy\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Orchestrating your retirement strategy | Rize Credit Union\" \/>\n<meta property=\"og:description\" content=\"An orchestra is a collection of instruments, each with its own voice. But it\u2019s the conductor who brings them together to create harmony. The same can be said for your retirement planning. Your 401(k), Traditional IRA, Roth IRA, and taxable savings each play a role \u2013 but it\u2019s the coordination between them that can bring [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rizecu.com\/es\/article\/retirement-strategy\/\" \/>\n<meta property=\"og:site_name\" content=\"Rize Credit Union\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/RizeCreditUnion\" \/>\n<meta property=\"article:published_time\" content=\"2025-07-17T07:00:32+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-08-20T21:55:49+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rizecu.com\/wp-content\/uploads\/2507-Wealth-retirement-strategy-banner.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"460\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Dawn M\" \/>\n<meta name=\"twitter:card\" 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