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Retirement Income & Withdrawal Order Worksheet

Which account you draw from first in retirement changes how much of it you keep. This organizes what you have so the conversation with a real advisor starts from a clear picture, not a guess.

This is not investment or tax advice. The "common order" below is a widely-used starting framework (taxable accounts first, then tax-deferred, then Roth last), not a rule that fits everyone — your real optimal order depends on your tax bracket, other income, and goals, and deserves a conversation with a real financial advisor or CPA. Required Minimum Distributions (RMDs) currently begin at age 73 if you were born 1951-1959, or age 75 if born 1960 or later — Roth IRAs have no RMD during your lifetime.

1. Your Information

2. Your Accounts, by Type

Rough balances are fine — this is a planning snapshot, not a tax filing.

3. Anything Else (optional)

Your Worksheet

Generated on this device only — nothing was saved or sent anywhere. Bring this to a financial advisor or CPA — it's a starting point for that conversation, not a substitute for it.