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Bridge Retirement Gaps With Controlled Withdrawals
- Withdraw larger, controlled amounts (e.g., $40–50k/year) from retirement accounts to bridge gaps rather than aggressive Roth conversions.
- Manage the thrift savings plan yourself and shift toward a more balanced allocation as you draw from it.
Shift To Safer Allocation When Withdrawing
- Reduce equity exposure from 75/25 toward 50/50 as you begin systematic withdrawals to lower volatility risk.
- Move withdrawn funds into a personal brokerage cash/investment account to cover expenses and repairs.
Combine Accounts Only If It Saves Time Or Fees
- You don't have to consolidate IRAs if you're comfortable managing separate accounts and avoiding extra fees.
- Only move accounts if paying for managed services at one custodian gives you value worth the cost.