Featured in Smart Senior Daily: Helping Retirees Make Their Money Last Longer

I was recently quoted in a national retirement planning article published by Smart Senior Daily titled “10 Ways Retirees Can Make Their Money Last Longer.” 10 Ways Retirees Can Make Their…

The article highlights research from the National Council on Aging showing that nearly 80% of retirees and near-retirees are financially vulnerable. That statistic alone reinforces something we see every day in our work with families: retirement isn’t just about how much you’ve saved — it’s about how strategically you use what you’ve built.

In the piece, I was asked to comment on one of the most overlooked opportunities for retirees — tax coordination. As I shared in the article:

“One of the most powerful — and underused — ways retirees can make their money last is tax optimization. Many seniors unknowingly overpay by withdrawing from the wrong accounts at the wrong time, triggering higher taxes, Medicare premium surcharges, or larger required minimum distributions later. Coordinating withdrawals and using tax planning windows can quietly extend portfolio longevity and reduce stress when healthcare costs rise.”

This is an issue we address regularly at Crown Advisors. The order in which you withdraw from taxable, tax-deferred, and tax-free accounts matters. The timing of Social Security matters. Required Minimum Distributions matter. Even small missteps can create unnecessary tax drag or increase Medicare premiums (IRMAA), reducing overall retirement efficiency.

Retirement planning is not simply investment management. It’s income design, tax coordination, healthcare cost awareness, and long-term distribution strategy — all working together.

If you’d like to read the full article, you can view it here:
10 Ways Retirees Can Make Their Money Last Longer

If you have questions about how your withdrawal strategy and tax planning may impact your long-term retirement security, we’d be glad to walk through it with you.