Managing Money During Retirement
Defined Withdrawals
 A strategy for steady, dependable, and long-term investment income.
Investment Income Articles & Resources

This is a light easy-to-read article that was written in 1998 and is still every bit as relevant today as it was then.

Hatching Your Nest Egg

This article by Gail MarksJarvis, columnist for the St. Paul Pioneer Press, describes the real-life experience of a couple who used the Defined Withdrawals strategy.

Sound Retirement Plan Insulated This Couple

This free PowerPoint presentation demonstrates a dramatically different outcome by using a Defined Withdrawals strategy instead of a Systematic Withdrawals strategy during difficult market conditions.

A Nightmare On Wall Street

It's easy to create an income ladder using ordinary bank CDs with the free calculator at

One should never assume that a plan can be created and then put on autopilot.  The following article is an in-depth analysis of how a retiree could have survived one of the worst financial time periods in U.S. history using the Defined Withdrawals strategy.

Navigating an Investment Storm

The ISG software is an enormously flexible tool.  With practice and creativity you can use it to solve a wide range of problems and gain new insight into financial decisions.  Here is an article that demonstrates this flexibility.

How Much Do You Need in a Roth IRA to Achieve All of Its Benefits?

Here are some answers to Frequently Asked Questions about the Defined Withdrawals strategy and the ISG software:

Frequently Asked Questions

Free Book Download
This book explains how to use the ISG software, but it is much more than a software manual.  It is a comprehensive guide to managing investment and retirement income.  Learn about different investment income strategies, dollar-price erosion, income ladders, the new role that diversification plays when investing for income, the important difference between investing in bonds vs. bond funds, trend-line analysis, etc. CLICK HERE

Free Investment Income Simulator
In real life there are no do-overs, but with the Investment Income Simulator you can practice managing investments for income.  If you run out of money, click the repeat button and try a new strategy! CLICK HERE

A Nightmare On Wall Street
We recommend viewing this free presentation before using the Investment Income Simulator. CLICK HERE


Retirement Income Software
The unique ISG software is designed specifically for developing sophisticated retirement income plans using the Defined Withdrawals strategy. CLICK HERE 


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