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Craig Lundquist, MBA, ChFC®, CRPC®
VP of Wealth Management
651-773-2757
Kristin Becker
Senior Administrative Assistant
651-773-2821
Ideal Wealth Advisors
Located at Ideal Credit Union
8499 Tamarack Road
Woodbury, MN 55125
CRPC conferred by College for Financial Planning
November/December 2026
A Taxable Brokerage Account May Be What Your Retirement Is Missing
As you approach retirement, it's natural to want to ensure that your finances are in good shape. You might have a 401(k), IRA, or various retirement accounts, but have you considered how a taxable brokerage account could play a crucial role in your retirement strategy?
Flexibility
A taxable brokerage account provides you with flexibility that tax-advantaged retirement accounts don't. While 401(k)s and IRAs come with rules about when and how you can withdraw your money, a brokerage account gives you access to your funds whenever you need them without penalties. This can be particularly beneficial if emergencies come up or if you want to take advantage of investment opportunities as they arise.A Wide Array of Investment Options
You can invest in stocks, bonds, mutual funds, ETFs, and more. This choice lets you customize your strategy to fit your risk and retirement goals. A brokerage account lets you take charge and potentially increase your wealth if you're comfortable with the market.Tax Implications
Traditional retirement account contributions are often tax-deductible. But withdrawals are taxed as ordinary income. With a taxable brokerage account, you pay taxes only on gains when you sell. Holding investments long-term may help you lower capital gains taxes. You keep more money.More Control
A taxable account can also serve as a source of income after you retire. If you retire early or your income needs fluctuate, having a brokerage account lets you withdraw funds as needed, helping bridge any income gaps. Rather than relying solely on your retirement accounts, having money in a taxable account can offer you more control and peace of mind.Getting Help
Don't hesitate to explore this option with your financial professional, who can assess your situation, explain how to use a taxable brokerage account with other investment vehicles, offer guidance on asset allocation, identify investments that best align with your goals, and advise you on managing your tax exposure.1164451
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Securities and advisory services are offered through LPL Financial (LPL), a registered investment advisor and broker-dealer (member FINRA/SIPC). Insurance products are offered through LPL or its licensed affiliates. Ideal Credit Union and Ideal Wealth Advisors are not registered as a broker/dealer or investment advisor. Registered representatives of LPL offer products and services using Ideal Wealth Advisors, and may also be employees of Ideal Credit Union. These products and services are being offered through LPL or its affiliates, which are separate entities from and not affiliates of Ideal Credit Union or Ideal Wealth Advisors. Securities and insurance offered through LPL or its affiliates are:
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