Made for Financial Planners
Design a Retirement Income Sequence
Also useful for: people in Finance
90 min
Advanced
Financial Organization
Make a Financial Decision
Comparing Financial Options
Coordinate retirement cash flow, taxes, required distributions, benefits, reserves, and market guardrails into a practical multi-year withdrawal strategy.
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Use this when
You're preparing a retirement income recommendation, comparing Social Security start dates, planning around required distributions, or revising withdrawals after a major tax or market change.
You'll need
- Planning Year and Sources
- Household Profile
- Annual Spending Needs
- Account Inventory
- Guaranteed Income
- Social Security Options
- Tax Filing Status
- Current Tax Information
- Required Distribution Information
- Cash Reserves
- Investment Assumptions
- Planning Priorities
You'll get
- Every material data gap identified
- Annual retirement income gap calculated
- Dated benefit and distribution timeline completed
- At least three income sequences compared
- Recommended sequence selected with clear tradeoffs
- Tax assumptions tied to current sources
By the end of this playbook
You will have:
- Every material data gap identified
- Annual retirement income gap calculated
- Dated benefit and distribution timeline completed
- At least three income sequences compared
- Recommended sequence selected with clear tradeoffs
- Tax assumptions tied to current sources
Sample
This is sample data, not your prompt. Pro unlocks this higher-stakes Playbook. On Free Playbooks you can still copy the assembled prompt into any AI.
Sample input
A married household, ages 64 and 62, plans to retire in 2027. Annual after-tax spending is $108,000, including $16,000 of flexible spending. Assets include $180,000 cash, $620,000 taxable, $1.4 million in traditional IRAs, and $310,000 in Roth IRAs. A $28,800 pension begins in 2027. Social Security can begin at full retirement age or age 70. The priorities are survivor security, moderate lifetime taxes, and avoiding stock sales during severe downturns.
Sample assembled prompt
Recommended sequence: 2027-2029: Fund the income... Refill cash during scheduled rebalancing when... 2030-2034: Add the first Social Security... Continue measured taxable withdrawals and conversions... 2035 onward: Use required distributions first... Preserve Roth assets for late-life flexibility,... Reserve policy: Hold 18 months of... Refill once the reserve falls below... Downturn rule: Pause reserve refills from...