Withdrawal Advice

We take the mystery out of how to optimally spend money in retirement.

Required Minimum Distributions

You’ve retired; you don’t need a new job managing your IRA distributions. Federal tax laws require that, after age 70 ½, you must take “required minimum distributions” from any 401k accounts or traditional IRAs. Figuring out how much to withdraw from each of your many accounts requires a complicated calculation involving your age, actuarially-determined life expectancy, and your account balance as of a certain date. Instead, let us do the work for you. We’ll automatically make any required withdrawals from your United Income Accounts. For accounts held outside of United Income, we’ll tell you exactly how much and when to withdraw so you don’t get tripped up by tax laws and face penalties.

Dynamic Withdrawals

How you spend is entirely personal and changes every year. It has always surprised us that most financial planning products assume you’ll spend the same amount every year. We have studied decades of spending data for millions of people and we have yet to see a straight line. This is why we create highly personalized retirement spending and withdrawal plans for each of our members.

Personalized Spending Forecasting

Don’t worry about not knowing how much you’re going to spend in the future; we have some answers for you. We have invested in a team with experience in predicting how people spend as they age. Our members receive yearly forecasts of their projected spending on essentials, taxes, discretionary expenses, and health. We want you to be able to relax and live life to its fullest.