Free Withdrawal Frameworks Overview
This Withdrawal Frameworks document highlights six important, and sometimes conflicting, objectives for withdrawal sequencing, including a target withdrawal sequence, healthcare subsidy optimization, tax optimization, maintaining and moving towards a target portfolio, asset location (which types of tax advantaged accounts bias towards which assets), and a worldview that may impact how aggressive or conservative you are with certain decision-making.
This is not YOUR financial plan – it is for illustrative and educational purposes only. We hope you like it. You may download it and modify it for any personal, non-commercial purpose. It is not a substitute for planning advice. You are encouraged to think this through with an AI, AND a professional, as part of learning more about withdrawal strategies – it was built in part to be uploaded to an AI to anchor discussions for educational purposes.
How to use
- Download the Template: Read it. Challenge it. Modify it.
- Use the Template and it’s Illustration of the tradeoffs: Use it as a learning experience, and consider your own situation, your own goals, and the hard tradeoffs central to decisions that involve hard tradeoffs.
In this resource:
- Find a PPT presentation discussing 6 frameworks that may impact decision-making in early retirment withdrawal.
- 3 case studies discussing situations that may require different decision-making.
- Examples/options of major strategic choices for the household to consider.
Why use this
Better decision-making
Provides a clear framework that defines “Good Strategy” and does not shy away from hard tradeoffs.
Modifiable
As long as you don’t repurpose it for commercial purposes, we encourage you to modify it and use it to advance your goals, whatever they may be.
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