Distribution Planning

Helping you plan a future for your golden years

Seek to Preserve Principal Investment

Match Budget Needs

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Identify Best Source

You have worked hard and saved, now it’s time to determine how much monthly income you need and the best source of that income from your different tax-advantaged and taxable accounts. Remember that life, even after retirement ,will require careful distribution assessment based on the performance of your underlying investments.

Frequently Asked Questions

How much or what percent of my principal can I withdraw for income without impacting my long-term financial stability?

This is a much-debated question and the simple honest answer is there is no magic number. The sustainability of your investments will depend on your withdrawal rate coupled with your earning rate. Adjustments will have to be made as earnings vary from year to year.

Should I live just on dividends and interest?

I get asked this question pretty often and I suggest we reinvest those new streams of income and sell off enough of your investments to come up with the monthly income you need.

From which investment accounts should I pull distributions?

This will vary from person to person based on the balances available from tax deferred and taxable accounts. If possible I would suggest taxable accounts be accessed first and tax deferred account be used only if needed.

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