This site has been established to help those retired individuals who have decided not to annuitize all of their accumulated retirement savings develop a spend-down strategy for their self-managed assets as part of an overall process of developing an annual spending budget in retirement.
Click here to access the article describing the simple actuarial process that forms the basis for this website and companion spreadsheets. Click here for a brief explanation and example of how to use the Actuarial Approach recommended in this website to determine your annual spending budget in retirement.
This site is now used for archival backup. Please visit the main website.