How To Maximize $1M+ 401k in Retirement

A Smart Approach To Retire With $1M+ Saved in a 401(k)

As you approach or enter retirement with a 401(k), your decisions now are crucial to ensuring a secure, tax-efficient retirement.

At Stewardship Concepts, we specialize in helping retirees like you navigate the complexities of 401(k) withdrawals, tax strategies, and long-term wealth management.

Our goal is to help you maximize your retirement savings, minimize taxes, and make sure your 401(k) works for you throughout retirement.

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Key Considerations

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Strategic Withdrawals & Tax Planning

At $1M+, your 401(k) becomes a significant income source, but how and when you withdraw can have a major impact on your income taxes. We’ll work with you to create a withdrawal strategy that minimizes taxes while ensuring your retirement funds last.

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Roth Conversions & Minimizing Taxes

One effective way to reduce lifelong taxes in retirement is by utilizing Roth conversions. We’ll help you navigate this strategy, converting portions of your 401(k) to Roth IRAs in a tax-efficient manner to reduce Required Minimum Distributions (RMDs) in the future.

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Estate Planning & Legacy Goals

A $1M+ 401(k) offers tremendous generational wealth-building potential. We’ll help you structure your 401(k) and other assets to avoid Washington State estate taxes and ensure your legacy is passed on to your heirs in an efficient way.

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Social Security & Retirement Income Optimization

Timing your Social Security benefits and aligning it with your 401(k) withdrawals is key to optimizing your income during retirement. We’ll guide you on the best strategy to maximize your retirement income and make your savings last.

Why Choose Us?

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Fiduciary, Fee-Only Financial Advisors

Tailored, Tax-Efficient Investment Strategies

As a fee-only, fiduciary firm, we’re committed to acting in your best interest. We don’t sell products or earn commissions. Our advice is focused on helping you achieve your retirement goals.

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Tailored, Tax-Efficient Investment Strategies

With over 10,000 mutual funds and ETFs at our disposal, we tailor portfolios to your specific needs. Our goal is to manage your investments in a tax-efficient manner, utilizing strategies such as tax-loss harvesting and buffered ETFs.

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Comprehensive Retirement Planning

Tailored, Tax-Efficient Investment Strategies

Comprehensive Retirement Planning

We go beyond just investment management. Our services include Social Security planning, tax strategies, estate planning, Roth conversions, and more. All designed to help you retire with confidence and minimize tax exposure.

7307 North Division Street, Suite 205, Spokane, Washington 99208, United States

(509) 443-0845

(Copyright 2025 Stewardship Concepts Financial Services, LLC - All Rights Reserved. Stewardship Concepts Financial Services, LLC is a registered investment adviser with the U.S. Securities and Exchange Commission (SEC). Certified Financial Planner Board of Standards, Inc. (CFP Board) owns the certification marks CFP®, CERTIFIED FINANCIAL PLANNER®, and CFP® in the United States, which it authorizes use of by individuals who successfully complete CFP Board’s initial and ongoing certification requirements. Click here to download our Form ADV part 2 and From CRS.

Retiring with a 401k

Retiring with a 401k

A Smart Approach To Retire With $1M+ Saved in a 401(k)