Income Distribution With improvements in healthcare, diet and exercise habits, Americans are generally living longer lives and enjoying more active and vibrant retirements. Early retirement has also become more common, resulting in many retirees facing the challenge of outliving their retirement assets. Income Distribution Planning is a process we use that allows assets you collected during your working year (pensions, 401(k)s, IRAs and Roth IRAs) to be paid out over time to you during retirement. The strategies used prior to retirement are very different than the strategies we recommend during retirement years. These retirement assets face risk from economic turmoil, interest rate uncertainty and market volatility with a limited time-horizon. It is vital to correctly position your accumulated assets into a series of investments at retirement designed to provide you income for the years ahead. For more information on Income Distribution, visit my personal site NextPhase.