Transitioning from “save” to “spend” is the hardest move in retirement — and Chris Drew lays out a practical, income-first blueprint to make it safely. This episode explains why you must ease into distributions (don't let a bad early sequence of returns wreck your plan), how to rebalance from accumulation to preservation, and which tools actually buy peace of mind: indexed annuities with lifetime-income riders, short-term bonds/CDs, dividend strategies, and targeted lifetime-income structures. Chris also covers RMDs (age 73), aggregation and sourcing rules, tax-aware withdrawal sequencing (including Roth conversion thinking), and simple operational steps — build a 3–6 month emergency fund, document a spending plan, and design a monitoring/rebalancing process — so your distributions are sustainable and tax-efficient. Real-world examples and a short action checklist make this a practical guide for anyone about to take money from their accounts.
Want help turning this into a distribution plan for your accounts? Book a free consultation at https://askthecaptain.com or call 833-DREW-CAP (833-373-9227).