The Tools You Need To Make Strategic Retirement Decisions.
We help you determine how much you can spend during retirement.

Your Best Retirement Is Within Reach.
Many retirees worry about how much they can safely spend from their retirement savings.
With The Best Third, you can confidently plan your retirement income using a strategy proven to allow for more spending.
Our app provides personalized insights based on your specific financial situation, ensuring you can enjoy a secure and comfortable retirement.
Unsure of How Much to Spend During Retirement?
Withdraw with Confidence with personalized plans.
Create a custom retirement plan with flexible timelines and individualized income targets.
Simple strategy backed by peer-reviewed research.
Inflation-protected Treasury bonds (TIPS) plus market investments for growth.
Spend more without the risk of running out.
Secure your essentials with inflation-protected bonds, then invest remaining assets for greater spending.
Created by a PhD financial expert for your peace of mind.
Built on actuarial science and tested against historical market scenarios for maximum reliability.
Create Your Plan in 4 Easy Steps
Sign Up
Provide Your Details
Get Your Personalized Plan
Plan Your Withdrawals
Retirement Planning Made Simple
Everything you need to build a secure financial future in one place
Inflation-protection
Treasuries
Tax Planning
Spend Safely
Market Upside
Risk Analysis
Beats the “4% Rule”

Our Stories of Financial Achievement
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Our Clients' Results Speak for Themselves
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