Retirement income sequencing draft
A draft withdrawal order with the reasoning shown.
Read-only: draft a retirement income sequencing outline for <client name> across taxable, tax-deferred and Roth accounts, including RMD timing and a rough tax-bracket view. Pull household balances and goals from the planning tool. Use Form 5500 data only for what it can prove: identify each employer plan and sponsor, confirm the recordkeeper/provider and auditor, read participant counts and total plan assets, and check plan characteristic codes for features that are actually disclosed there (for example: Roth deferrals, participant loans, hardship withdrawals, auto-enrollment, DB vs DC). Do not infer distribution rules, in-service withdrawal availability, QMAC/QNEC treatment, or other plan-specific terms from the Form 5500. For every workplace account rule used in the sequence, require the source to be the Summary Plan Description or plan document. Not the 5500 filing. Show your reasoning, every assumption, the source for each account's rules, and flag any rule that still needs the SPD or plan-document confirmation. This is a discussion draft, do not update the plan, and note where a CPA should confirm the tax treatment.
Guardrail · Draft only. Tax conclusions need a qualified professional's confirmation.