What is the most significant financial concern? Running Out of Money.

The spend-down is a plan to minimize taxes and
ensure you don’t outlive your assets.


“10% market return taxed at maximum federal capital gain tax of 23.8% nets 7.62%
market return after tax.”


The most important decision a retiree makes is to determine from which retirement
assets to withdraw funds to meet everyday living expenses
. These are the decision
factors:

  1. Size of Accounts
  2. Size of RMDs to Cash Flow
  3. Investment Mix/Performance
  4. Marginal Income Tax Bracket
  5. Time Horizon
  6. Estate Planning Goals