Seeking Human Feedback on this ROTH IRA setup.
I need human feedback on these calculations and my long-term plan.
I am 35, so I have a solid 30-year timeline before I hit 65. My primary goal isn't just standard retirement; it's building a generational wealth engine for my family.
Here is the 2-Phase Roth IRA strategy I'm working with:
The Core Plan: I’m currently maxing out my Roth IRA ($7,500/yr limit) and focusing 100% on total return and dividend growth for the next couple of decades.
Phase 1 (Accumulation): I'm splitting my core holdings between VIG, SCHD, DGRO, and NOBL. I like SCHD's cash-flow metrics and VIG's screen that cuts out the highest-yielding traps. No raw high-yield right now because I don't want the capital drag.
Phase 2 (Retirement Pivot): Once I hit 65, the plan is to flip the equity base tax-free inside the Roth into a 70/30 income blend using JEPI/SPYD for immediate cash flow, while leaving 30% in the growth core as an inflation hedge.
Phase 3 (Generational Transfer): Long-term, the goal is to pass it to a South Dakota Dynasty Trust to handle the SECURE Act's 10-year inherited Roth liquidation rule for my family. This legally forces the trust to hold qualified dividend payers (like SCHD) to cap the trust tax rate at 23.8% instead of the brutal 40.8% ordinary bracket.
I've received plenty of feedback from the various LLMs but I'd really appreciate real human feedback before fully dedicating myself to this strategy. Please let me know what you think about delaying the high-yield pivot until retirement, or if you have thoughts on the ETF weights for Phase 1? Any and all feedback is appreciated.
Thanks.