Upcoming Research and Publications
We founded our company on the belief that there is a better way to serve clients in or approaching retirement – and our research has proven it. We are the foremost experts on creating tax-efficient withdrawal strategies, and have published articles in the Journal of Financial Planning, Financial Analyst Journal, and others.
Our software combines our research with best practices in wealth management and implementing a tax-efficient withdrawal strategy. The result is powerful software that will help your clients get more and keep more money in retirement.
Founder, Managing Principal
Throughout his career, William Meyer has looked for new ways to deliver higher quality advice to people in retirement. He has a unique combination of experiences in leading the design and launch of innovative client centric services and products, as well as leveraging technology in service offerings.
Early in Bill’s career, he learned financial planning techniques for the affluent, and has strived to apply those insights to all households regardless of wealth. He has a track record of successfully developing products and services in executive leadership roles at H&R Block, Advisor Software, and Charles Schwab.
He has an MBA from UCLA’s Anderson School and is a former Trustee of the Securities Industry Institute at Wharton.
Principal – Research
Dr. William Reichenstein, CFA, holds the Pat and Thomas R. Powers Chair in Investment Management at Baylor University. His recent work concentrates on the interaction between investments and taxes. He advocates calculating an individual’s after-tax asset allocation that is based on after-tax balances in each savings vehicle.
He is the author of In the Presence of Taxes: Applications of After-Tax Asset Valuations (FPA Press, 2008), and coauthored with William Jennings Integrating Investments & the Tax Code (John Wiley & Sons (2003).
He is an Associate Editor of Journal of Investing, Contributing Editor-Portfolio Strategies for (American Association of Individual Investors) AAII Journal, and served two three-year terms as Associate Editor of Financial Services Review. He is a member of the Editorial Review Board of Journal of Financial Planning, Advisory Board of Journal of Wealth Management, and Editorial Board of Journal of Financial Education. He is a TIAA-CREF Institute Fellow, past president of the Southwestern Finance Association, and served on the Private Wealth Advisory Committee of the Institute of Chartered Financial Analysts.
Additionally, he has written more than 150 articles for professional and academic journals. He is a frequent contributor to Journal of Financial Planning, Journal of Investing, Financial Analysts Journal, Journal of Portfolio Management, and Journal of Wealth Management.
Our founders, William Meyer and Dr. William Reichenstein, are the most published on both tax-efficient withdrawal strategies and Social Security claiming strategies:
- April 2022, Social Security Strategies: How to Optimize Retirement Benefits – 4th Edition, Reichenstein and Meyer
- March 2022, Journal of Financial Planning – “Social Security Redo Strategies for 2022”
- March 2022, Journal of Financial Services Professionals – “Social Security Coordination to Create a Tax-Efficient Withdrawal Strategy”
- December 2021, Journal of Financial Planning – “Tax Considerations for Relatively-Wealthy Households,”
- Fall 2021, Journal of Retirement – “How Social Security Coordination Can Add Value to a Tax-Efficient Withdrawal Strategy”
- October 2021, Advisor Perspectives – “The Importance of Marginal Tax Rates in Retirement planning”
- September 2021, Journal of Financial Planning – “Minimizing Damage of the Tax Torpedo”
- May 2021, Journal of Financial Planning, “Social Security Strategies for Singles and their Implications for Couples”
- January 2021, Journal of Financial Planning, “Advice for Married Couples when One Spouse Dies Years before the Other Spouse”
- October 2020, Journal of Financial Planning, “How to Add Tax Alpha in Today’s Environment”
- Summer 2020, Journal of Retirement – “Investing Implications of Rising and Falling Marginal Tax Rates for Retirees”
- June 2020, Advisor Perspectives – “Asset Location-Decision and Related Topics”
- June 2020, AAII Journal – “The Relationship Between Wealth and Delaying Social Security”
- February 2020, Journal of Financial Planning – “Using Roth Conversion to Add Value”
- Winter 2019, Journal of Wealth Management – “Medicare and Tax Planning for High Income Households,”
- Winter 2019, Journal of Retirement – “Optimizing Social Security Benefits is Still Complicated,”
- July 2018, Journal of Financial Planning – “Understanding the Tax Torpedo and Its Implications for Various Retirees,”
- April 2018, AAII Journal – “Social Security and Medicare Can Raise Retirees’ Tax Rates,”
- March 2018, AAII Journal – “Retirement Planning Strategies Following the 2017 Tax Act,”
- November 2017, Journal of Financial Planning – “Valuing Roth Conversions and Recharacterizations in Options,”
- Spring 2017, Social Security Strategies: How to Optimize Retirement Benefits, 3rd Edition, Reichenstein and Meyer (Available on Amazon.com)
- September/October 2016, Investment Wealth Monitor – “Why the Conventional Wisdom is Never the Optimal Withdrawal Strategy,”
- Spring 2016, The Journal of Retirement – “Social Security Claiming Strategies for Widows and Widowers”
- June 2016, Journal of Financial Planning – “Redo Strategies: When Can You Redo a Prior Social Security Claiming Decision”
- March/April 2015, Financial Analyst Journal – “Tax-Efficient Withdrawal Strategies”
- 2015, Social Security Strategies: How to Optimize Retirement Benefits, 2nd Edition, Reichenstein and Meyer
- January 2015, Journal of Financial Planning – “Social Security’s Earnings Tests: A Primer for Financial Planners,” Meyer and Reichenstein
- January 2014, Journal of Financial Service Professionals – “Greatly Reduced Life Expectancy: How Should It Affect a Couple’s Social Security Claiming Strategy?” Meyer and Reichenstein
- Summer 2014, The Journal of Retirement – “Social Security Benefits for Employees in Jobs Not Covered by Social Security,” Meyer and Reichenstein
- Spring 2013, The Retirement Management Journal – “The Tax Torpedo: Coordinating Social Security with a Withdrawal Strategy to Minimize Taxes,” Meyer and Reichenstein
- Fall 2012, The Retirement Management Journal – “Social Security Claiming Strategies for Singles,” Meyer and Reichenstein
- April 2012, Journal of Financial Planning – “How the Social Security Claiming Decision Affects Portfolio Longevity,” Meyer and Reichenstein
- Summer 2012, Journal of Wealth Management – “Today’s Low Interest Rate Environment and Social Security Claiming Decisions,” Reichenstein and Meyer
- May 2010, Journal of Financial Planning – “Social Security: When Should You Start Benefits and How to Minimize Longevity Risk,” Meyer and Reichenstein
- And now in its 3rd edition: Social Security Strategies: How to Optimize Retirement Benefits, Reichenstein and Meyer (Available on Amazon.com)