Do a search on something like this - bucket retirement plan.
Basically split your money into buckets. First basically cash to cover say 2 year of living expenses. Second assets to cover say 8 to 10 years of expenses and the third long term. Then an emergency/big exp bucket. This would pick up your home repairs, new car etc. Do some reading and you will get the idea and should be able to do it yourself. For withdrawal consider using the IRS RMD (required minimum distribution table) if you do not come up with something better. It considers life expectancy and the value of your portfolio. Also search for safe withdrawal rates. This will get you educated on the subject. Remember that interest rates are lower than what they were for most of the studies, and that bonds will lose value as interest rates increase.
You might try a CPA. Ask if they have experience in the area you need help.
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