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www.CUofGA.org4WHowMuchShouldIWithdrawfromMyRetirementNestEggHowWillItImpactHowLongMyRetirementMoneyWillLastWhenitcomestomappingwithdrawalsfromyourretirementaccountisthereamagicnumberthatworksforeveryoneUnfortunatelyno.Howeverthereareaseriesofstepsthatyoucanfollowtohelpdetermineawithdrawalratethatmayworkbestforyou.Step1SetRealisticExpectationsOneusefulruleofthumbisthatfora30yearretirementawithdrawalrateinthe3to5rangeisprudent.Step2CustomizeYourNumberFine-tuneyourwithdrawalratebasedonyourindividualsituation.ConsiderthefollowingTimeframeHowlongwillyouneedanincomefromyournesteggIfyourretirementplansarelessthan20yearsyoumaywanttoconsiderincreasingyourwithdrawalrate.Ifyouhavealongertimeframeconsideralowerrate.LifestyleIfyourexpensesrequireahigherwithdrawalratethanthe3to5rangeareyouwillingtorisktheadditionalstrainthatahigherratewillputonyourportfolioAreyouwillingtoriskrunningoutofmoneyOrareyouwillingtocutbackyourlifestyletofitalowerwithdrawalrateAssetAllocationDoyouhaveaportfoliothatsuitsyourwithdrawalrateandrisktoleranceAportfolioinvestedtooconservativelymaymeanalowerwithdrawalrateoranincreasedchanceofrunningoutofmoney.Aportfolioinvestedtooaggressivelymayimpactyourpeaceofmindduringretirement.Step3MonitorYourWithdrawalRate.Bycarefullymonitoringyourwithdrawalratethroughoutretirementyoucanmakeadjustmentstomeetyourchangingincomeneeds.AWithdrawalRatethatWorksforYouByworkingcloselywithafinancialadvisoryoucancreateastrategythatwillallowyoutoreachyourretirementgoalswithoutundulyriskingoutlivingyourretirementnestegg.SamDavisisaFinancialAdvisorwithCUofGAFinancialServiceslocatedatCreditUnionofGeorgia.IfyouhaveanyquestionsorwouldliketoprovidefeedbackregardingtheinformationpresentedinthisarticleyoumaycontactSamDavisat678-322-2241.CONTENTDEVELOPEDByCUNABROkERAGESERVICESPROVIDEDByCUofGAFINANCIALSERVICESREPRESENTATIVESAMDAVISRepresentativeisnotataxadvisororlegalexpert.Forinformationregardingspecifictaxsituationspleasecontactataxprofessional.Forlegaladviceconsultanattorney.RepresentativesareregisteredsecuritiesaresoldandinvestmentadvisoryservicesofferedthroughCUNABrokerageServicesInc.CBSImemberFINRASIPCaregisteredbrokerdealerandinvestmentadvisor2000HeritageWayWaverlyIowa50677toll-free866512-6109.Nondepositinvestmentandinsuranceproductsarenotfederallyinsuredinvolveinvestmentriskmaylosevalueandarenotobligationsoforguaranteedbythefinancialinstitution.CBSIisundercontractwiththefinancialinstitutionthroughthefinancialservicesprogramtomakesecuritiesavailabletomembers.WeOfferCompleteLoanServicesApplyTodaywww.CUofGA.orgVehicleLoansRecreationalLoansMortgagesStudentLoansHomeEquityLoansVisaCreditCardsSignatureLoansAndMore