--- title: Managing Taxes in Retirement Using the Effective Marginal Tax Rate description: Join Joe Elsasser, CFP®, and Wade Pfau, PhD on Covisum's Effective Marginal Tax Rate (EMR) method for determining tax-efficient withdrawal sequences. image: https://www.covisum.com/hubfs/Pfau%20%2B%20Joe%20Webinar%20Resources%20Graphic%20%288.5x11%29.png --- [Login](https://www.covisum.com/login-experience) | [Call: 402-235-4500](tel:1-402-235-4500) | [Contact Us](https://www.covisum.com/contact) ** [![covisum-logo](https://www.covisum.com/hs-fs/hubfs/covisum-logo.png?width=264&height=41&name=covisum-logo.png "covisum-logo")](https://www.covisum.com/) [![Start Your Free Trial](https://no-cache.hubspot.com/cta/default/2755909/b23743cd-d0df-4907-a66d-293b58ab1164.png)](https://cta-redirect.hubspot.com/cta/redirect/2755909/b23743cd-d0df-4907-a66d-293b58ab1164) [![Contact Us](https://no-cache.hubspot.com/cta/default/2755909/6c6d7fe7-e094-4fc0-9c82-d93d4ccbb532.png)](https://cta-redirect.hubspot.com/cta/redirect/2755909/6c6d7fe7-e094-4fc0-9c82-d93d4ccbb532) ### Resource Center # Best resources and tools for financial advisors ![Covisum - Resources](https://www.covisum.com/hs-fs/hubfs/Covisum%20-%20Resources.jpg?width=2119&name=Covisum%20-%20Resources.jpg "Covisum - Resources") [![](https://www.covisum.com/hubfs/Pfau%20%2B%20Joe%20Webinar%20Resources%20Graphic%20%288.5x11%29.png)](https://www.covisum.com/managing-taxes-in-retirement-using-the-effective-marginal-tax-rate-webinar) #### Managing Taxes in Retirement Using the Effective Marginal Tax Rate [Watch  **](https://www.covisum.com/managing-taxes-in-retirement-using-the-effective-marginal-tax-rate-webinar) [![Logo-White-Stacked](https://www.covisum.com/hs-fs/hubfs/Logo-White-Stacked.png?width=124&height=146&name=Logo-White-Stacked.png "Logo-White-Stacked")](https://covisum.com) 444 Regency Parkway Dr. Suite 201 Omaha, NE 68114 - - - - Read Reviews of Our Solutions In: [![Footer Capterra Logo](https://www.covisum.com/hubfs/Capterra_logo%20(1).svg) ](https://www.capterra.com/p/203728/Tax-Clarity/reviews/)[![Footer G2 Logo](https://www.covisum.com/hubfs/logo-g2.png) ](https://www.g2.com/search?utf8=%E2%9C%93&query=covisum) [![Contact Us](https://no-cache.hubspot.com/cta/default/2755909/interactive-193539503962.png) ](https://www.covisum.com/hs/cta/wi/redirect?encryptedPayload=AVxigLJVLXEjf%2B%2BEnK6vOPMn%2Fr3ioLsOLyfcMsq%2F2iVSVeUOMULZL1E4IJ535ljz5vQts%2BZDJlfG8%2FBGQSbclMQZt3Wj5rF7p5HPKPLbiygTIn13bvvS4RzSQUG%2FOmbGhQbVwqSbmK%2F37xU7GteDuf8Wi%2FqHNUov5LV5IoDzBY1SujVG1js%3D&webInteractiveContentId=193539503962&portalId=2755909) [![SOC 2 T2 Logo](https://no-cache.hubspot.com/cta/default/2755909/interactive-193539503801.png) ](https://www.covisum.com/hs/cta/wi/redirect?encryptedPayload=AVxigLLUwEqFfMgfWJL%2BtARqI1smIsNmH61mIiu24plfpmrBzxUjkFL9CAfbuf8UPdrmcYUNXk9VOczSuIO%2FiO3oiDwloZxQcbhpFwZV%2FXcLThs6oeyRLO9DeCFtfIkSp1CQoGJ8SD064EkfOwWd0rIJOUXW4E0cboy7mMHR3EagJjOWzx%2F8PC4LgnaxwOGCEKk16dnQYILb&webInteractiveContentId=193539503801&portalId=2755909) © 2010 – 2026 Covisum®. All Rights Reserved. For advisor use only. Covisum is not connected with, affiliated with or endorsed by the United States government or the Social Security Administration. The local advisor offering Covisum products may be an insurance agent, financial advisor, accountant or attorney. Advisors may offer other products or services and are compensated by commissions and/or fees for any other services they may provide. [Terms and Conditions](https://www.covisum.com/terms-of-use) | [Privacy Policy](https://www.covisum.com/privacy-policy)