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[quote=Anonymous][quote=Anonymous]In all seriousness focus now on savings and don’t waste your time at 30 worrying about optimal withdrawal strategies. A lot can happen in 20 years.[/quote]

This. No mandatory Ira withdrawals until 72 (unless it’s an inherited ira.)

My partner and I are in our mid-30s and are are on track for retiring at 57/58 in terms of overall dollar amounts. However, I get overwhelmed thinking about needing to navigate what money will be accessible at what point between our 401k equivalents, IRAs, SS, a brokerage account, and a pension. I see chatter about some retirees having issues with mandatory minimum withdraws and don't understand when those come into play, with what accounts, and how to plan ahead so that they aren't an issue. I have a long time ago, but it seems like it is best to strategize now and develop a basic understanding.

How does one get started figuring this part of the puzzle out? Is it worth a sit down with a fee only financial planner? We don't otherwise use a financial planner and I suspect I could figure this out myself if I can get pointed in the right direction.

You can withdraw from your 401k and Ira at 59.5 (if you want), but have to starting at 72.

Pension will be sometime between 55-65, depending on the plan.

You can start withdrawing ss at 62, but don’t have to until 70, and the longer you wait, the better UNLESS you die. 
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