Account Sequencing

Selecting which accounts to tap first is key to a successful retirement.

Stretch your retirement assets through smart account sequencing

The average worker retires with six different financial accounts. A successful retirement may depend on spending money from the right accounts and figuring out where to reinvest any surplus cash. You may be able to add years to your retirement savings or increase the value of your inheritance by getting that sequencing right. At United Income, we equip you with a clear account withdrawal plan in retirement, so you can spend less time thinking about funding your retirement and more time spending your retirement doing what you love.

Create one united withdrawal plan

Our members receive one united withdrawal plan for all of their financial accounts, whether we manage them or not. To help you reach your financial goals, we look at balance size, asset types, taxes, legacy preferences, and spending plans across all your accounts. These considerations may impact your ability to stretch out your savings and ultimately ensure your financial security.

Help to reduce your taxes

The U.S. federal tax code is nearly 75,000 pages long. We have integrated those tax rules into our software so we can find the personalized financial and investment plan that we believe saves you the most money in taxes – while also balancing that goal against your dreams, the markets, and other considerations. We then translate that understanding into a customized plan that helps you lower your taxes and reach your giving, legacy, or spending goals.