The Situation

The Accumulation-to- Withdrawal Shift

Building a retirement portfolio and drawing it down are fundamentally different financial challenges. Accumulation rewards consistent contributions and patience. Withdrawal requires sequencing, tax management, healthcare planning, Social Security optimization, and estate considerations — none of which are addressed by the retirement number alone.

Reaching the number ends the accumulation phase. It does not begin the withdrawal phase automatically — that requires a separate and equally deliberate plan.

— Worthune Decision Framework

• You're approaching retirement and realize you haven't planned the withdrawal side
• You think of retirement as a single phase rather than a multi-decade sequence of different financial priorities
• You haven't addressed Social Security timing, Medicare, and estate considerations alongside your portfolio target