Investing for a 69-Year-Old
At age 69, one year remains before Social Security reaches its maximum delayed benefit at 70 (approximately 124% of the full retirement age amount for those born 1960 or later). Required minimum distributions start at 73 or 75 depending on birth year, giving tax-deferred accounts additional compounding time. This is an ideal year to finalize your withdrawal sequencing strategy: which accounts to draw first, how to balance ordinary income against capital gains, and how to layer Roth conversions to smooth taxable income across the RMD years ahead.