Uncategorizedjoellewis/finance_skills
retirement-decumulation
Turn a retirement portfolio into sustainable lifetime income: sequence-of-returns risk, the 4% rule and its assumptions, Guyton-Klinger-style guardrails, RMD calculation from the Uniform Lifetime Table, Social Security claiming math (early reduction, delayed credits, breakeven age, survivor benefits), gap-year bracket-filling with Roth conversions, bucket strategies vs total-return, and SPIA annuitization as longevity insurance. Use when the user asks about a 'safe withdrawal rate', 'when should I claim Social Security', a 'guardrails strategy', 'sequence of returns risk', or 'how much can I spend in retirement'. Also trigger on RMD amounts or missed-RMD penalties, Social Security breakeven analysis, '4% rule', 'bucket strategy', retirement paycheck design, drawdown or decumulation planning, and whether to buy an annuity. For accumulation-side savings math, see savings-goals; for asset location and tax mechanics, see tax-efficiency.