William Reichenstein
Areas of Expertise: Social Security claiming strategies and tax-efficient withdrawal strategies in retirement
Website: SocialSecuritySolutions.com
Books: “Social Security Strategies: How to Optimize Retirement Benefits” (Fourth Edition, 2022), “Income Strategies: How to Create Tax-Efficient Withdrawal Strategies to Generate Retirement Income” (2019) and “In the Presence of Taxes: Application of After-tax Asset Valuations” (FPA Press, 2008).
Email: bill_reichenstein@baylor.edu
Biography:
William Reichenstein’s ideas embed the leading software products on 1) when to claim Social Security benefits (www.SSanalyzer.com) and 2) how to coordinate a Social Security claiming strategy with a tax-efficient withdrawal strategy in retirement (www.IncomeSolver.com).
Reichenstein is known as one of the leading authorities in Social Security education and strategies and has published his prolific work in books and top academic journals. In addition, he is well known for his research that focuses on tax-efficient withdrawal strategies in retirement. He advocates calculating an individual’s aftertax asset allocation that is based on aftertax balances in each savings vehicle. He coauthored “Social Security Strategies: How to Optimize Retirement Benefits” (Fourth Edition, 2022) with William Meyer, authored “Income Strategies: How to Create Tax-Efficient Withdrawal Strategies to Generate Retirement Income” (2019), authored “In the Presence of Taxes: Application of After-tax Asset Valuations” (FPA Press, 2008) and coauthored “Integrating Investments & the Tax Code” (Wiley, 2003) with William Jennings.
He is an associate editor of the Journal of Investing and served two three-year terms as associate editor of the Financial Services Review. He is a past president of the Southwestern Finance Association and served on the Private Wealth Advisory Committee of the CFA Institute. Additionally, he has written more than 200 articles for professional and academic journals. He has published many articles in the Journal of Financial Planning, Journal of Investing, Financial Analysts Journal, Journal of Portfolio Management and Journal of Wealth Management. He currently works for T. Rowe Price.
William Reichenstein , Ph.D., CFA, is professor emeritus at Baylor University and head of retirement research at Retiree Inc.
Recent Articles
Surviving Spouses Face Higher Tax Brackets and Medicare Premiums
RETIREMENT NEWSLETTER ● WEEKLY,TAXES,RETIRED,PLANNING TIPS ● July 2024
3 Ways to Redo Your Social Security Claim
AAII JOURNAL ● FEATURE,FINANCIAL PLANNING,RETIRED INVESTOR,SOCIAL SECURITY ● July 2024
Reducing Taxes and Medicare Premiums With a Roth IRA Conversion Strategy
RETIREMENT NEWSLETTER ● MONTHLY,IRAS,RETIRED,PLANNING TIPS ● June 2024
A Case Study: How to Reduce Marginal Tax Rates in Retirement
AAII JOURNAL ● FINANCIAL PLANNING,RETIRED INVESTOR,SOCIAL SECURITY ● November 2023
The Importance of Considering Marginal Taxes When Taking Withdrawals
AAII JOURNAL ● FINANCIAL PLANNING,RETIRED INVESTOR,SOCIAL SECURITY ● September 2023
The Relationship Between Wealth and Delaying Social Security Benefits
AAII JOURNAL ● FINANCIAL PLANNING,RETIRED INVESTOR,SOCIAL SECURITY ● June 2020
Basic Truths About Asset Allocation: A Consensus View Among the Experts
AAII JOURNAL ● ASSET ALLOCATION,FROM THE ARCHIVES ● July 2019
Social Security and Medicare Can Raise Retirees' Tax Rates
AAII JOURNAL ● FINANCIAL PLANNING,RETIRED INVESTOR,SOCIAL SECURITY ● April 2018
Retirement Planning Strategies Following the 2017 Tax Act
AAII JOURNAL ● FINANCIAL PLANNING,RETIREMENT PLANNING ● March 2018
The Tax Advantages of Qualified Charitable Distributions From IRAs
AAII JOURNAL ● FINANCIAL PLANNING ● October 2016
Social Security Strategies for Couples
AAII JOURNAL ● FINANCIAL PLANNING,SOCIAL SECURITY ● December 2013
Social Security Strategies for Singles
AAII JOURNAL ● FINANCIAL PLANNING,SOCIAL SECURITY ● November 2013
AAII JOURNAL ● FINANCIAL PLANNING,RETIREMENT PLANNING,SOCIAL SECURITY ● October 2013
New Rules for Converting to a Roth IRA
AAII JOURNAL ● PORTFOLIO STRATEGIES ● January 2010
Bear Market Grads: What You Should Learn From the Financial Crisis
AAII JOURNAL ● PORTFOLIO STRATEGIES,FEATURE ● July 2009
Financial Professional Terms: What They Mean and Why You Should Care
AAII JOURNAL ● PORTFOLIO STRATEGIES ● November 2008
Will Your Savings Last? What the Withdrawal Rate Studies Show
AAII JOURNAL ● PORTFOLIO STRATEGIES,FEATURE,RETIRED INVESTOR ● July 2008
Clueless: What Graduates Need to Know About Making Financial Decisions
AAII JOURNAL ● PORTFOLIO STRATEGIES ● January 2008
Investment Products: If It Has to Be Sold, Don't Buy It!
AAII JOURNAL ● VALUE INVESTING,PORTFOLIO STRATEGIES ● November 2007
Explaining the Value Tilt and Its Implications for Investors
AAII JOURNAL ● VALUE INVESTING,PORTFOLIO STRATEGIES ● July 2007
Choosing the Right Mix: Lessons From Life Cycle Funds
AAII JOURNAL ● PORTFOLIO STRATEGIES ● January 2007
The Real-World Lessons From Investment Theory
AAII JOURNAL ● PORTFOLIO STRATEGIES,ASSET ALLOCATION ● January 2006
Tax-Efficient Investing: Picking the Right Pocket for Your Assets
AAII JOURNAL ● PORTFOLIO STRATEGIES,TAX STRATEGIES ● November 2005
The Great Tax Fight: Managing Stocks in Taxable Accounts
AAII JOURNAL ● PORTFOLIO STRATEGIES,TAX STRATEGIES ● July 2005
Tax-Efficient Investing and What It Means to Your Portfolio
AAII JOURNAL ● PORTFOLIO STRATEGIES,TAX STRATEGIES ● February 2005
Insured Investment Products: The Reality Behind the Hype
AAII JOURNAL ● PORTFOLIO STRATEGIES ● November 2004
What Are You Really Getting When You Invest in a Hedge Fund?
AAII JOURNAL ● PORTFOLIO STRATEGIES ● July 2004
Retiree Stock Allocation Recommendations: Do You Fit the "Mold"?
AAII JOURNAL ● PORTFOLIO STRATEGIES,ASSET ALLOCATION,RETIRED INVESTOR ● February 2004
Allocation During Retirement: Adding Annuities to the Mix
AAII JOURNAL ● PORTFOLIO STRATEGIES,ASSET ALLOCATION,RETIRED INVESTOR ● November 2003
Retirement Planning: Annuities and When They May Make Sense
AAII JOURNAL ● PORTFOLIO STRATEGIES,RETIRED INVESTOR ● July 2003
Ten Lessons You Should Learn From Recent Market History
AAII JOURNAL ● PORTFOLIO STRATEGIES ● February 2003
When Should You Start Your Social Security Benefits?
AAII JOURNAL ● PORTFOLIO STRATEGIES,RETIREMENT PLANNING ● November 2002
Planning for Retirement: What to Expect From Social Security
AAII JOURNAL ● PORTFOLIO STRATEGIES,RETIREMENT PLANNING ● February 2002
How to Benefit From Reduced Capital Gains Rates
AAII JOURNAL ● TAX STRATEGIES ● November 2001
Basic Truths About Asset Allocation: A Consensus View Among the Experts
AAII JOURNAL ● ASSET ALLOCATION,FROM THE ARCHIVES ● October 1996
When Treasury Bills Are Riskier Than Common Stocks
AAII JOURNAL ● FROM THE ARCHIVES ● August 1989