In today's show, Matt Anderson talks about why you might not want to max out your pre-tax retirement accounts.  He discusses the importance of account diversification; specifically, the importance of having an after-tax source of funds in retirement.   Doing so provides you with the flexibility to take full advantage of planning opportunities in retirement.  In early retirement, you won't have to contend with the 10% early withdrawal penalty from IRAs and qualified retirement accounts and can maximize Obamacare premium subsidies.  An after-tax source of funds may also provide some protection against rising federal income tax rates in the future.  In addition, you will reap the rewards of the 0% capital gains tax on long term capital gains and dividends, open up Roth conversion opportunities and provide options for delaying Social Security.     

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Securities mentioned in this podcast may not be suitable for all investors. Seek the advice of your financial advisor or other qualified financial service provider with any questions you may have regarding your individual situation. Discuss any tax or legal matters with the appropriate professional advisors. 

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