id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
fsr-3419	DiLellio, James; Ostrov, Daniel	Toward constructing tax efficient withdrawal strategies for retirees with traditional 401(k)/IRAs, Roth 401(k)/IRAs, and taxable accounts	2020	29	.pdf	application/pdf	15613	663	66	The all-time approach in this paper for optimizing withdrawal strategies in portfolios con- taining TDAs, Roth accounts, and taxable stock accounts makes improvements on previous methods in the following ways: • While the algorithm works to optimally determine how much a retiree should spend each year from their TDA, Roth, and taxable stock accounts – that is, these are the three decision var- iables to be determined each year – it also accommodates, as indicated above, two other sources of external, fixed, annual income.	cache/fsr-3419.pdf	txt/fsr-3419.txt