Retirement planning guide

Retirement Withdrawals: Questions to Ask Before You Start

Withdrawal choices involve account rules, taxes, benefits, and cash-flow needs—not only a portfolio percentage.

List your accounts

Traditional, Roth, taxable, and employer-plan accounts can have different rules and tax treatment.

Confirm your plan rules

Distribution options depend on the plan and the participant’s elections. Confirm the details of your own plan before acting.

Review annually

Revisit spending, investment results, tax estimates, and benefit choices after major changes or at least annually.

Source: IRS retirement-plan guidance.

Apply this to your plan

Compare your retirement dates privately

Use the interactive demo to test a retire-now and work-longer scenario with your own assumptions. No account is required to begin.

See your own comparison in 5 minutes

Educational only: This is general information, not individualized investment, tax, legal, or financial advice.