That is a great question. The answer to that question can be simple or complex and will depend on your specific situation. We would need more information about you to provide an adequate response. The information we would need is your current assets including your retirement accounts, current and expected monthly income in retirement, current and expected monthly expenses in retirement. Once we have some basic information about you we can begin to answer the question for you. Please call or email us and we would be happy to assist you in answering your question.