Abstract: A method for distributing retirement assets includes providing a processor and receiving an after-tax cash flow target value for a period for an individual. The method also includes receiving a plurality of retirement money sources and income values associated with the plurality of retirement money sources available to the individual for the period and classifying the plurality of retirement money sources into a plurality of money classes, each having disparate tax treatment. The method further includes calculating, via the processor, a funds distribution schedule for funding the after-tax cash flow target value for the period that maximizes a projected portfolio value of the money classes over a selected time period, the funds distribution schedule including a recommended sum to withdraw from each of the plurality of money classes for the period and providing the funds distribution schedule.