If you choose this option, we will analyze different years that you could start smooth withdrawals from your retirement accounts to find the start year that maximizes your lifetime discretionary spending. Smooth withdrawals are regular withdrawals we automatically calculate to support your Discretionary Spending level and are separate from 

  1. Required Minimum Distributions (RMDs) required by law for your accounts and
  2. special withdrawals that you may have specified in your family's data.