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.

Abstract: The present disclosure describes systems and methods for distributing retirement assets. One or more embodiments include receiving personal data related to an individual, the personal data including a number of projected income sources and a value of projected expenses of the individual, and receiving retirement asset allocation data of the individual, the retirement asset allocation data including current fund allotments to a number of money classes each having disparate tax treatment. One or more embodiments include calculating a value of projected after-tax income of the individual, calculating a deficit amount when the value of projected expenses exceeds the value of projected after-tax income, and using orthogonal sampling to calculate a distribution schedule for funding the deficit amount, the distribution schedule including, for each of the number of money classes, a recommended sum for the individual to withdraw from the money class in order to fund the deficit amount.

Abstract: The present disclosure describes systems and methods for distributing retirement assets. One or more embodiments include receiving personal data related to an individual, the personal data including a number of projected income sources and a value of projected expenses of the individual, and receiving retirement asset allocation data of the individual, the retirement asset allocation data including current fund allotments to a number of money classes each having disparate tax treatment. One or more embodiments include calculating a value of projected after-tax income of the individual, calculating a deficit amount when the value of projected expenses exceeds the value of projected after-tax income, and using orthogonal sampling to calculate a distribution schedule for funding the deficit amount, the distribution schedule including, for each of the number of money classes, a recommended sum for the individual to withdraw from the money class in order to fund the deficit amount.