Retirement isn’t about working harder — it’s about planning smarter. In this week’s episode of Understanding Money with the Noles Group, Danny, Parker, Tyler, and Chandler Noles join Matt McClure to break down one of the most crucial — and misunderstood — parts of retirement planning: how to withdraw your money the right way.

From smart sequencing and Roth conversions to Medicare IRMAA surcharges, required minimum distributions (RMDs), and tax buckets, the team shares real-world stories and practical guidance to help listeners build a plan that maximizes income, minimizes taxes, and ensures they don’t outlive their savings. 

You’ll also hear how one client turned a $2.9 million Roth IRA into a tax-free income machine, why withdrawal order matters, and how the right timing on Roth conversions can save you thousands in retirement. 

It’s a fast-paced, informative hour that proves — with the Noles Group in your corner — you really can retire smarter, not harder.