Retirement Cash flow planning has a lot of moving parts and is highly personal. I prepare indebt cash flow planning for all our retired clients to ensure that money will last their lifetime.  

My analysis calculate precisely, the maximum income they can derive from their retirement savings, government and private pensions.  We monitor on an annual basis to make sure they stay on track and funds are not being depleted too fast. That is the proper way to plan your retirement cash flow. 

However, there is also a rule of thumb that you can use. Is the 4% annual maximum withdrawal from your investment still valid?  Read on here.