Boldin's default Based on Spending Needs Strategy is a Goal Based strategy. With this selection, the Planner will only withdraw enough to satisfy Required Minimum Distributions and fund any shortfall between the expenses you’ve entered in your plan and new income coming in from sources such as work, pensions and Social Security. Withdrawals will be taken based upon your withdrawal order and prioritized account(s).

The Maximum Spending Strategy will deplete all of your accounts down to your legacy goal (or zero if you don’t have one) by your longevity age to provide a measure of how much you can spend on an annual basis. This is a great place to go for insights about your ability to increase lifestyle spending on wants and wishes and may be considered an upper spending guardrail. Withdrawals will be taken based upon your withdrawal order and prioritized account(s).

Boldin's Fixed Percentage strategy allows you to set your desired withdrawal rate and start age. The plan takes the portfolio balance in the start year and draws down your desired percent, increased through your lifespan at your general inflation rate. (IE: it does not assess the portfolio balance every year.) Our model includes user entered expenses in withdrawals under this selection, and provides a green plot line to help you compare the fixed percentage to your budgeted expenses. Withdrawals will be taken based upon your withdrawal order and prioritized account(s).