Shirley: I would rather take a much more holistic and mathematically based approach than using personality profiles or labeling as the primary basis for constructing a retirement or withdrawal strategy. The first thing that you need to do is evaluate your expenses, she says. And then off of that gross amount subtract all of the net incomes you expect to receive whether that's pension, social security, rental properties; some kind of residual income or business income or expected employment income. Now if all of those things actually cover your expenses then you really don't need much of a withdrawal strategy according to Shirley.