A common situation you find yourself in when helping people with their retirement planning is that the client has questions about distributions from his or her qualified plan. They want to know how the distributions work with their other retirement assets and the effects of the required minimum distributions on other assets and, of course, taxation.

Show the client the concept of specific distributions from their qualified retirement plans, how they work, how they are taxed and can be affected by other assets as well as affect other assets. Conceptual plans can become a bridge to more detailed cash flow-based analysis. Showing just how the concept works can convince the client as to its purpose and the need for the full detailed analysis.

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