Issue link: https://resources.envestnet.com/i/1528460
11 FOR HOME OFFICE AND ADVISOR USE ONLY. NOT FOR DISTRIBUTION TO THE PUBLIC. Qualified Distributions Show the impact of taking distributions from a Traditional IRA or an employer retirement plan early in retirement rather than waiting for when required minimum distributions begin. Based on the clients' projected taxable income during retirement, instantly determine the amount that maximizes the distribution in years where there is lower taxable income, up to the selected tax bracket. Closing Using MoneyGuide's personalized breakdown as a backdrop, advisors can discuss the tradeoffs of taking qualified distributions early in retirement, when tax brackets may be lower, to avoid being pushed into higher tax brackets later and the overall potential tax savings if implemented in the plan. "At this point and time in the industry, financial advisors are being asked more and more by their clients to assist them not just with retirement in a general sense, but to also share guidance on ways to help minimize how much they pay in taxes throughout retirement," said Colin Yackel, CFP®, Head of Training at Envestnet | MoneyGuide. "They also want to know how much they can potentially provide to their heirs in the most tax-efficient fashion. And they want these strategies all in coordination with being successful in retirement." Financial advisors are with the industry undergoing continual consolidation and evolution, the demand for advisors to demonstrate their value to clients has reached unprecedented levels. MoneyGuide can help effectively showcase advisor value and quantifies the benefits to clients in monetary terms. From an investment perspective, advisors have the potential to add 300+ basis points in annual value for clients, particularly through tax-efficiency and behavioral coaching. 1 1: Envestnet Market Trends 2023 The services and materials described herein are provided on an 'as is' and 'as available' basis, with all faults. The graphical illustrations herein do not represent client information or actual investments. Nothing contained in this presentation is intended to constitute legal, tax, accounting, securities, or investment advice, nor an opinion regarding the appropriateness of any investment, nor a solicitation of any type. Envestnet MoneyGuide disclaims all warranties, express or implied, including, without limitation, warranties of merchantability or fitness for a particular purpose, title, non-infringement or compatibility. Envestnet MoneyGuide makes no representation or warranties that access to and use of the internet while utilizing the services as described herein will be uninterrupted or error-free, or free of viruses, unauthorized code or other harmful components. Envestnet MoneyGuide reserves the right to add to, change, or eliminate any of the services and/or service levels listed herein without prior notice to the advisor or the advisor's home office. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Envestnet MoneyGuide cannot guarantee that the information herein is accurate, complete, or timely. Envestnet MoneyGuide makes no warranties with regard to such information or results obtained by its use, and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your clients specific situation. The projections or other information generated by Envestnet MoneyGuide regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not a guarantee of future results. Actual results may vary with each use and over time. © 2025 MoneyGuide, Inc. All rights reserved. Contact us to learn more 800.743.7092 MoneyGuide.com