When it comes to retirement planning, we spend decades focused on one number: our savings goal. We chase the magic $1 million, $2 million, or more. But what happens when you get there? Many retirees make a costly assumption: that the hard work is over. They believe that as long as they follow a “safe”…

You’ve spent decades diligently saving for retirement. You’ve built a well-diversified portfolio spread across different accounts. But when it comes time to flip the switch from saving to spending, a critical question arises: What’s the smartest way to actually take the money out? Many people focus solely on how much to withdraw (the famous 4%…