Pre-tax contributions got you this far. Now what?

If most of your retirement savings sits in a pre-tax account like a 401(k), 403(b), TSP or traditional IRA, most of those dollars have not been taxed yet. As retirement comes into view, three decisions move front and center: how and when to draw those dollars down, whether some or all of them should be converted to a Roth, and when to claim Social Security. Each one is complex on its own, and each one ripples into the other two.

Our next live session

Tuesday, September 15

6:00 PM Eastern · 40 minutes on Zoom

Limited to 50 seats

Some of these decisions cannot be undone. Give yourself a 40-minute head start.

Not sure yet? Watch the 2-minute preview first.

Register here to save your seat

No cost. Nothing for sale. I keep the group small and take a few questions at the end.

I will email you the session link and reminders, and text you reminders if you checked the box above. You will also receive occasional retirement planning resources by email. I do not share or sell your information. Read our privacy notice.

A 2-minute preview of what we will cover

After you register…

Your Zoom link arrives by email within minutes
If you don’t see it, check your spam folder
I will email a reminder the day before and an hour before, and text you if you checked the box
At the start time, click the link to join

Please let me know if your schedule changes, so I can offer your seat to someone else.

Have questions? Call or text 609.726.5389, or email sdurdin@harvestwellfp.com.

Frequently asked questions

Who is this really for?

Anyone is welcome. It fits best if you are within about three years of retirement, or just past it, and most of your savings is in pre-tax accounts.

What topics will be covered?

Three decisions, in plain English:

When to claim Social Security
Whether a Roth conversion makes sense
How drawing down a 401(k) or IRA affects your taxes

We will also talk about the question behind all three, “do I have enough?”, and why the answer is not always the one people expect.

Will I have to sit through a sales pitch?

No. Nothing is for sale. If you want help with your own situation afterward, I will tell you how to arrange that, and the choice is yours.

Is there a replay available?

Not at this time. I run these live so I can take questions. If this date does not work for you, the next date will be posted here. And if a one-to-one conversation suits you better, you can book that at the bottom of this page.

Do I need to be on camera?

No. You will see and hear me. I will not see you, and neither will anyone else.

Meet your presenter…

I am Steve Durdin. I work with people who are a few years from retirement, or just past it, and who did most of their saving inside a workplace plan. They arrive with one large pre-tax balance and a set of decisions nobody prepared them for.

I am a Registered Social Security Analyst (RSSA®), a designation for advisors who specialize in Social Security claiming, and I hold the Certified in Long-Term Care (CLTC®) designation. As an investment adviser representative I am held to a fiduciary standard: I am required to put your interests ahead of my own.

Firm: Encompass More Asset Management LLC, doing business as Harvest Well Financial Partners
Registration: Registered investment adviser with the U.S. Securities and Exchange Commission
Custodian: Client accounts are held at Charles Schwab, not at our firm
Office: 309 Fellowship Road, Suite 200, Mount Laurel, NJ 08054
Phone: 609-726-5389

Building the nest egg took decades.
Deciding how to put it to work starts here.

There is no cost and nothing for sale. My aim is that you leave with a clearer picture of how these decisions fit together.

Save my seat

Tuesday, September 15 at 6:00 PM Eastern

Would you rather skip the group session and schedule a one-on-one? Book a complimentary retirement review by clicking here. No cost or obligation, and our calendar will open in a new tab.