re: 401k - Putting in more than the company match pros and cons

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So if you have a fat brokerage account that you've built over the years you can take out 106k before paying any federal taxes.

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The majority of my clients have a federal and state effective tax rate that is sub 10%.

It is quite difficult for the average person to have a higher effective rate in retirement than they do while working. We do try to aggressively wind down pretax accounts, but mainly for estate purposes.