Decumulation: Turning Savings into Income

You’ve spent your life saving and preparing for retirement, but now comes the hard part: spending it wisely. In this episode of The Retirement Income Show with Dave Stearns, we tackle one of the most overlooked and anxiety-inducing parts of retirement planning: decumulation. We explore why it's so difficult to shift from saving to spending, walk through common withdrawal strategies like the 4% Rule, Dynamic Spending, and the Bucket Approach, and explain why decumulation requires a whole new mindset focused on income and preservation. Plus, we dive into smart tax strategies, including Roth conversions and income planning, and share how to align your investments with your income needs so that you can spend with confidence and sleep well at night.www.incomeisking.com  |  www.stearnsretirementgroup.com