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Retirement Planning

Turning savings, Social Security, and pensions into a paycheck that lasts

"Am I going to be okay" is the real question behind most retirement planning, and it deserves a better answer than a single number. The answer is a plan for turning what you have saved into a paycheck that lasts, coordinated with Social Security, any pension, and the taxes that come with each source.

The retirement income guide is the place to start. Around it sit Anton's UPdates on retiring during volatile markets and on whether you can really retire, and the Roth conversion guide for the low bracket years between work and required distributions. Everything here is general education, written for people within about ten years of the decision on either side.

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Retirement Planning

Retirement Withdrawal Order: A Retirement Income Planning Guide

Compare taxable, traditional retirement, and Roth withdrawal treatments, then see how Social Security, pensions, and required distributions can change the order.

  • A taxable, traditional retirement, then Roth withdrawal order is a starting point, not a rule. Social Security, pensions, Roth conversions, required minimum distributions (RMDs), and concentrated positions can change the sequence.
  • The 4% withdrawal rule (Bengen, 1994) is a starting reference point, not a guarantee. Modern research suggests 3.5% to 4% may be a more conservative range for a 30-year retirement.

Nyle Bayer · Published · 10 min read

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Retirement Planning

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For general education only, not individualized tax or investment advice. Up Capital Management is a Registered Investment Adviser.