Financial guide for retirees
Managing wealth in retirement — drawing down accounts efficiently, minimizing taxes, and protecting what you built.
Retirement planning shifts from accumulation to distribution — a different and often more complex challenge. The key questions: which accounts to draw from first (traditional vs. Roth vs. taxable), when to claim Social Security, how to manage Required Minimum Distributions, and how to make your money last 30+ years.
Sequence-of-returns risk is the biggest threat in early retirement. A bad market in the first 3–5 years of retirement has a disproportionate impact on long-term sustainability. Understanding this and having a clear withdrawal strategy is essential.
Tools for your situation
Free calculators and assessments selected for this guide.
- 1Retirement PlannerModel your drawdown phase — withdrawal rates, Social Security, 30-year sustainability
- 2RMD CalculatorProject your RMDs from 73–90 — total tax exposure and tax bracket alerts
- 3Lifetime Wealth SimulatorSVG chart of net worth through the full drawdown phase — does it last?
- 4Roth Conversion AnalyzerReduce RMDs through strategic Roth conversions in your early retirement years
- 5Capital Gains CalculatorPlan taxable account liquidations with full tax impact analysis
- 6Net Worth TrackerMonitor portfolio sustainability and allocation through the drawdown phase
Recommended reading
Have a specific question?
The AI Financial Tutor gives an educational answer to a finance question in about a minute. For example: “I'm retired with $900,000 in savings and $2,200/month in Social Security. How should I draw down my accounts to minimize taxes and make my money last 30 years?”