Part of retirement planning is to coordinate income from multiple sources such that savings are not depleted prematurely, no large undesired surplus is left behind, and disposable income is maximized. This paper describes 3-PEAT, a practical, retirement savings withdrawal procedure that addresses these objectives.
Journal of Financial Planning, August 2017, 30 (8): 45-55
ORP's method for modeling the period between early retirement and age 59 1/2, when tax-advantaged account withdrawals are subject to a 10% early withdrawal penalty, has been reformulated. A new early withdrawal field has been added to ORP's extended parameter form. The field's help document explains.
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