Retirement

Tax Considerations When Drawing From 401(k)s in Retirement.

June 17, 2026

At Duncan Williams Asset Management, we know traditional 401(k) withdrawals in retirement are generally taxed as ordinary income. When and how you draw from these accounts can significantly affect both your lifetime tax bill and the net income you actually spend.

Reassessing Your “Retirement Paycheck” Annually

Retirement

June 17, 2026

At Duncan Williams Asset Management, we understand that life rarely stays the same, especially in retirement. That’s why we encourage you to take a fresh look at your “retirement paycheck” every year—particularly if your 401(k) is a main source of income.

The Power of Timing: How the Sequence of Your 401(k) Withdrawals Shapes the Course of Retirement

Retirement

June 16, 2026

Traditional 401(k) withdrawals, with the inevitability of tides, are taxed as ordinary income in retirement. Yet behind these seemingly routine transactions lies a terrain shaped by the unseen hand of federal policy and personal decision—a landscape in which the timing and method of withdrawal can, quietly but profoundly, alter the course of a retiree’s financial life, determining not only the taxes owed but the very contours of security in one’s later years.

How Age and Retirement Proximity Affect Bond Allocation Decisions

Retirement

June 13, 2026

As retirement nears, 401(k) participants must prioritize bond allocation decisions. Early in a career, growth may take precedence, but as retirement approaches, it is essential to focus on volatility, income needs, liquidity, and the risk of needing to sell investments during market declines.

Coordinating 401(k) Withdrawals With Social Security and Pensions

Retirement

June 2, 2026

Retirement income usually comes from more than one source. Most retirees receive Social Security, some have pensions, and many rely on 401(k)s, IRAs, taxable investments, or cash savings. The challenge is to bring all these sources together, so you have a clearer, more personal view of your monthly income, taxes, flexibility, and financial risks.

Turning 401(k) Balances Into Monthly Income Streams

Retirement

June 1, 2026

For many people, building up a 401(k) happens gradually, paycheck by paycheck. But once you retire, the real question shifts: how do you turn all those years of savings into a steady monthly income you can count on, while also staying on top of taxes, market ups and downs, living longer than expected, inflation, and the curveballs life can throw?