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    • Noah Schwab, CFP®
    • Amy Drury, CFP®
    • Edwin Hill, CFP®
    • Kate Altine
  • More
    • About
    • Contact
    • FAQ
    • Services
      • Financial Planning
      • Investment Management
      • Retiring with a 401k
      • Case Studies
      • Blog
      • Links
    • Team
      • Noah Schwab, CFP®
      • Amy Drury, CFP®
      • Edwin Hill, CFP®
      • Kate Altine
  • About
  • Contact
  • FAQ
  • Services
    • Financial Planning
    • Investment Management
    • Retiring with a 401k
    • Case Studies
    • Blog
    • Links
  • Team
    • Noah Schwab, CFP®
    • Amy Drury, CFP®
    • Edwin Hill, CFP®
    • Kate Altine

Retiring with a 401k

Retiring with a 401k

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

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.

Roth Conversions & Minimizing Taxes

 One of the most effective ways to reduce 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. 

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 the most efficient way possible. 

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. 

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Why Choose Us?

Fiduciary, Fee-Only Financial Advisors

Tailored, Tax-Efficient Investment Strategies

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 100% objective, focused on helping you achieve your retirement goals.

Tailored, Tax-Efficient Investment Strategies

Tailored, Tax-Efficient Investment Strategies

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 401(k) and other assets in a tax-efficient manner, using strategies like tax loss harvesting and buffered ETFs.

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.

Are You Ready to Take the Next Step?

If you're ready to explore how we can help you make the most of your $1M+ 401(k) in retirement, we invite you to schedule a free, no-pressure discovery call. Together, we'll discuss your goals, your retirement plans, and how we can support you in achieving a secure financial future.

Schedule Discovery Call

Meet Dave and Kathy - Case Study

 Read this case study for a real-world example of how we help retirees like you navigate the complexities of retirement planning. By focusing on Roth conversions, managing RMDs, utilizing QCDs for charitable giving, and optimizing estate planning, we crafted a strategy tailored to Dave and Kathy’s needs.

Read Dave and Kathy's Case Study
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7307 North Division Street, Suite 205, Spokane, Washington 99208, United States

(509) 443-0845

Copyright © 2024 Stewardship Concepts Financial Services, LLC - All Rights Reserved. Stewardship Concepts Financial Services LLC is a registered investment adviser in the State of Washington, Idaho and Montana. The Adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transactions in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.