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 Distributions from Assets During Retirement–Developing a Comprehensive Plan

  Free to International Foundation and ISCEBS Members

RECORDED – November 16, 2017
3:00-4:30 p.m. ET

Planning the distribution stream during our retirement years requires comprehensive analysis. First, we need to get to a balanced position that we know how much we should limit our distributions so we will not run out of money. Second, we need to get a solid grasp on our expenses, both initial and anticipated spikes. We then need to determine all sources of income and see where our withdrawal rate needs to be from our investments in order to balance the budget.

This all assumes that we are adequately funded. In order to measure our individual funded status, we should determine today’s value of future expenses vs. the sum of today’s value of future income streams (such as Social Security and pensions) and our current assets. This equation gives us the ability to adjust our expenses to make sure we are in balance.

We then need to position our assets so they are liquid enough to meet our immediate and short term needs.

Lastly, we need to consider which asset class from which we will take the distributions and determine if rebalancing of the portfolio is required.

This presentation will provide a guidepath to determining each of these stages.


Michael E. Callahan, FSPA, CPC, EA, RMA®, CWS® [view bio]
President - Edu4Retirement, Inc.
Principal - Retirement Plan Advisory Services, LLC
Southington, CT


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