Not having to pay taxes as you accumulated money in your IRA or 401k really helped your money grow faster. But, every tax dog must have his day so eventually the IRS demand that you begin taking money out of your retirement accounts. Wayne will tell you when to begin taking money and how much you should plan on withdrawing. Wayne will also put into perspective how retirement plan withdrawals can affect your Social Security benefits. While we're talking retirement accounts, consider that many people have various stages during their retirement years - phases where they're still relatively young and active and phases where health demands that they slow their pace. Wayne will describe some of these phases and how you might need to adjust your cash flow plan accordingly.