One of the most powerful — and underused — tools in Boldin is the ability to customize your withdrawal order. By default, Boldin follows a tax-efficient sequence, but your situation may call for a more tailored approach. In this video, we'll walk through two practical use cases: setting up proportional withdrawals that blend taxable, tax-deferred, and Roth accounts, and using custom ordering to actively manage which tax bracket you land in each year.
Customize your withdrawal strategy with Boldin AI 🤖
Want to try a custom withdrawal strategy in your own plan? Copy this prompt into Boldin AI. Fill in the brackets with your own details.
Help me customize my withdrawal strategy from age [X] to age [Y].
My goal is [pick one]:
- Proportional withdrawals: blend withdrawals from my taxable, tax-deferred, and Roth accounts each year instead of draining one account at a time
- Tax bracket management: withdraw from my tax-deferred accounts each year until I reach the top of the [12% / 22% / 24%] federal tax bracket, after counting my other taxable income.
Create a retirement paycheck account. Put it first in my withdrawal order.
Use these accounts as sources:
- [Account 1]
- [Account 2]
- [Account 3]
Suggest the transfers I should add in Money Flows. For each one, include the from account, to account, annual amount, start age, and stop age. Keep the total close to my yearly expenses so the Planner doesn't have to fill gaps from my withdrawal order. Transfers are fixed amounts, so if my balances shift a lot, break them into shorter age ranges.
Also tell me if I should change my withdrawal order for the accounts not covered by transfers.
Show a year-by-year table with:
- Age and year
- Amount from each account
- Any shortfall withdrawals, and which account they came from
- Total taxable income
- Highest federal tax bracket reached
Show my Chance of Success, portfolio value at my longevity age, lifetime taxes and lifetime effective tax rate. Compare each one to my current plan.
Looking for more flexibility?
Use Boldin AI to explore withdrawal and tax strategies.
See this article to learn more about our Custom Withdrawal Feature where you have the ability to customize the order of withdrawals.