<prompt> Human: My SO very unexpectedly resigned at 63 and 8 months. He was hoping to leave at 64, but company down sized him out early. Not ideal, but we had been talking about him leaving for a while, so its workable.Hes checked on social security. September 1 he can request check Septembers check will arrive third Wednesday in October. Hes allowed to work, but no more than 14,400k-ish. He may or may not do this.The big question he doesnt know is how to draw down on three different saving annuities 401k plans. They total 225k. One is 25k, 120k, 80k respectively.He really doesnt know what to do so he has a meeting set up with his familys financial planners Thrivent that utilizes Fidelity products as a standard. We have given them our income and expenditures. I still work, make 60k and in my mid 50s. The biggest expenditures being home 80k, home equity line 14k and car 9k. No credit card debt. My husband did a spreadsheet and sent it to the financial planner and it looks like our annual expenditures total 30k. Includes the big three above mentioned debt plus fixed household expenditures, properycar taxes, insurance, etc.I dislike immensely walking into a financial planners office being told their options for us, as I know they have self interest. And yet frankly we dont know how draw downs work when you have three separate accounts. What do folks do? Combine it into one account? Use the smallest first? Can we dip into them as needed? Can we take a lump sum there are tax considerations as all three are PRE-TAX Savings programs. Do you have to get monthly checks?Thanks for any help or questions we havent yet thought of.  <response>: The standard safe withdrawal rate is 4. You can choose to draw more or less. With a nest egg of 225k, 4 translates to 9k per year to supplement your other income. You definitely do not want to withdraw a lump sum as the tax liability will be quite high. Since you are still working and your income covers expenses, you should consider waiting to draw down retirement assets and might even wait a while to draw SS benefits, at least until your husbands full retirement age. Every month that he delays from now until age 70 means his benefit will rise slightly. Since you are paying dearly for the services of a financial planner, they should be willing to run all of these numbers for you. 