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GLOSSARY
Retirement Planning Glossary
Plain-English definitions of the terms that come up most in retirement income planning — each linked to a full lesson if you want to go deeper.
Decumulation →
The phase where you draw income from savings instead of adding to them.
Safe Withdrawal Rate →
A rule-of-thumb percentage for how much you can spend from savings each year.
Sequence-of-Returns Risk →
Why a bad market early in retirement does more damage than the same year later.
Required Minimum Distribution (RMD) →
The minimum the IRS requires you to withdraw each year, starting at a set age.
Roth Conversion →
Paying tax now to move money into a Roth account for tax-free withdrawals later.
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