{"id":36,"date":"2023-02-15T20:37:13","date_gmt":"2023-02-15T20:37:13","guid":{"rendered":"https:\/\/adptsretirement.com\/retirementplanningguide\/?page_id=36"},"modified":"2025-12-09T23:22:38","modified_gmt":"2025-12-09T23:22:38","slug":"2-income-sources","status":"publish","type":"page","link":"https:\/\/adptsretirement.com\/retirementplanningguide\/2-income-sources\/","title":{"rendered":"2: Income Sources"},"content":{"rendered":"<div class=\"wpb-content-wrapper\">[vc_row layout=&#8221;wide&#8221; css=&#8221;.vc_custom_1676642835560{border-bottom-width: 1px !important;border-bottom-color: #d0271d !important;border-bottom-style: solid !important;}&#8221;][vc_column offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][layerslider_vc id=&#8221;3&#8243;][\/vc_column][\/vc_row][vc_row layout=&#8221;wide&#8221; css=&#8221;.vc_custom_1676642835560{border-bottom-width: 1px !important;border-bottom-color: #d0271d !important;border-bottom-style: solid !important;}&#8221;][vc_column offset=&#8221;vc_hidden-lg vc_hidden-md&#8221;][vc_single_image image=&#8221;559&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1676578670558{padding-top: 40px !important;padding-bottom: 20px !important;}&#8221;][vc_column][vc_column_text]\n<h4 style=\"line-height: 40px; font-size: 20px; color: #333333; text-align: left; margin-bottom: 20px;\">Develop a plan, detailing the accounts from which you will be withdrawing money and the order. Don\u2019t forget \u2013 in all likelihood, you will owe taxes on some or all of your withdrawals \u2013 so consult a financial professional or tax advisor. <span style=\"color: #7967ae;\">Click on the \u25bc buttons below to expand each <strong>Income Source<\/strong> to learn more.<\/span><\/h4>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1676577565432{padding-top: 10px !important;padding-bottom: 10px !important;}&#8221;][vc_column width=&#8221;1\/12&#8243;][vc_single_image image=&#8221;225&#8243; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1676577753453{margin-top: -10px !important;padding-bottom: 20px !important;}&#8221;][\/vc_column][vc_column width=&#8221;11\/12&#8243;][vc_tta_accordion style=&#8221;flat&#8221; shape=&#8221;square&#8221; gap=&#8221;20&#8243; c_icon=&#8221;triangle&#8221; active_section=&#8221;0&#8243; no_fill=&#8221;true&#8221; collapsible_all=&#8221;true&#8221;][vc_tta_section title=&#8221;<strong>Retirement Accounts<\/strong>&#8221; tab_id=&#8221;1561050619657-feceb993-fff2&#8243;][vc_row_inner css=&#8221;.vc_custom_1678542135393{padding-top: 10px !important;}&#8221;][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1676581419794{padding-bottom: 20px !important;}&#8221;]\n<p class=\"p1\">A retiree\u2019s largest source of income is typically accumulated retirement savings. This may include your ADP TotalSource Retirement Savings Plan (the \u201cPlan\u201d) account, traditional and\/or Roth IRAs, and any pension or savings plan accounts from all prior employers for you or your spouse\/partner.<\/p>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1676581738213{padding-bottom: 20px !important;}&#8221;]\n<h4><span style=\"color: #7967ae;\"><b><strong>Plan distribution options<\/strong><\/b><\/span><\/h4>\n<ul>\n<li><span style=\"color: #26328c;\"><span class=\"s1\"><b><strong>Lump sum<\/strong><\/b><\/span>:<\/span> you may choose to receive a lump-sum payment equal to the entire balance of your vested account in the Plan.<\/li>\n<li><span style=\"color: #26328c;\"><span class=\"s1\"><b><strong>Installment payments<\/strong><\/b><\/span>:<\/span> you may choose to receive your money in equal installment payments over a certain term (not to exceed your life expectancy).<\/li>\n<li><span class=\"s1\" style=\"color: #26328c;\"><b><strong>Direct rollover:<\/strong><\/b><\/span> you may be eligible to elect a direct rollover of your distribution to an IRA or another qualified plan, to avoid current taxation of your benefit.<\/li>\n<\/ul>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1676591110084{margin-right: 1px !important;margin-left: 1px !important;border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 20px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;background-color: #26328c !important;border-left-color: #d0271d !important;border-left-style: solid !important;border-right-color: #d0271d !important;border-right-style: solid !important;border-top-color: #d0271d !important;border-top-style: solid !important;border-bottom-color: #d0271d !important;border-bottom-style: solid !important;}&#8221;][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1676648914731{padding-bottom: 20px !important;}&#8221;]\n<h4 style=\"color: #fde6da; margin-bottom: 8px;\"><b><strong>Things to consider<\/strong><\/b><\/h4>\n<ul>\n<li style=\"font-size: 11pt; line-height: 24px; color: #ffffff; margin-bottom: 8px;\">If you are under age 59\u00bd, taking a distribution other than a rollover could require you to pay taxes and penalties. Mandatory 20% federal income tax withholding will be applied, in the year of distribution, to distributions eligible for rollovers that are not directly rolled over. State tax withholding will be applied as required by your state of residence.<\/li>\n<li style=\"font-size: 11pt; line-height: 24px; color: #ffffff; margin-bottom: 8px;\">If you are under age 59\u00bd and do not do a rollover, you will also have to pay a 10% additional income tax on early distributions (unless an exception applies).<\/li>\n<li style=\"font-size: 11pt; line-height: 24px; color: #ffffff; margin-bottom: 8px;\">After you stop working, you can keep your savings in the Plan if your account balance is greater than $5,000, up to age 73 when the law requires minimum distributions (RMD) to begin.*<\/li>\n<\/ul>\n<p><span style=\"color: #ffffff; font-size: 11pt;\"><em>*Applies to any individual who attains age 72 after December 31, 2022, and age 73 before January 1, 2033, and for any individual who attains age 74 after December 31, 2032. If you turned 72 in 2022 or earlier, your RMDs will continue as scheduled.<\/em><\/span>[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row][vc_row content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1676577565432{padding-top: 10px !important;padding-bottom: 10px !important;}&#8221;][vc_column width=&#8221;1\/12&#8243;][vc_single_image image=&#8221;226&#8243; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1676582340756{margin-top: -10px !important;padding-bottom: 20px !important;}&#8221;][\/vc_column][vc_column width=&#8221;11\/12&#8243;][vc_tta_accordion style=&#8221;flat&#8221; shape=&#8221;square&#8221; gap=&#8221;20&#8243; c_icon=&#8221;triangle&#8221; active_section=&#8221;0&#8243; no_fill=&#8221;true&#8221; collapsible_all=&#8221;true&#8221;][vc_tta_section title=&#8221;<strong>Social Security<\/strong>&#8221; tab_id=&#8221;1676578196274-24415789-ffeb&#8221;][vc_row_inner css=&#8221;.vc_custom_1678542146563{padding-top: 10px !important;}&#8221;][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1678986198478{padding-bottom: 20px !important;}&#8221;]\n<p class=\"p1\">Visit the Social Security Administration\u2019s <span style=\"color: #7967ae;\"><strong><a style=\"color: #7967ae;\" href=\"http:\/\/www.ssa.gov\" target=\"_blank\" rel=\"noopener\"><span class=\"s1\">website<\/span><\/a><\/strong><\/span> to confirm the age at which you can receive full benefits. You can begin taking reduced benefits at age 62, but you may want to wait until you are eligible for the full benefit amount at your Full Retirement Age. Or you can choose to wait until after you have reached your Full Retirement Age to collect an even higher Social Security benefit.<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][vc_row_inner css=&#8221;.vc_custom_1676591091907{margin-right: 1px !important;margin-left: 1px !important;border-top-width: 2px !important;border-right-width: 2px !important;border-bottom-width: 2px !important;border-left-width: 2px !important;padding-top: 20px !important;padding-right: 20px !important;padding-bottom: 20px !important;padding-left: 20px !important;background-color: #26328c !important;border-left-color: #d0271d !important;border-left-style: solid !important;border-right-color: #d0271d !important;border-right-style: solid !important;border-top-color: #d0271d !important;border-top-style: solid !important;border-bottom-color: #d0271d !important;border-bottom-style: solid !important;}&#8221;][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1678986608793{padding-bottom: 20px !important;}&#8221;]\n<h4 style=\"color: #fde6da; margin-bottom: 8px;\"><b><strong>Social Security Guidance<\/strong><\/b><\/h4>\n<p class=\"p1\"><span style=\"color: #ffffff;\">To help you optimize your payments based on your savings, check out <b><strong>Voya Retirement Advisors\u2019 Social Security Guidance<\/strong><\/b><sup>1<\/sup> tool, available to you through Voya Retirement Advisors investment advisory services.<sup>2<\/sup> This <span class=\"s1\"><b><i>free<\/i><\/b><\/span> guidance compares different Social Security strategies and provides clear steps to put guidance into action.<\/span><\/p>\n<ol>\n<li style=\"font-size: 11pt; line-height: 24px; color: #fde6da; margin-bottom: 8px;\"><span style=\"color: #ffffff;\">Log in to your<\/span> <span style=\"color: #fde6da;\"><a style=\"color: #fde6da;\" href=\"http:\/\/Adptotalsource.voya.com\" target=\"_blank\" rel=\"noopener\"><span class=\"s1\"><b><strong>Plan account<\/strong><\/b><\/span><\/a><\/span> <span style=\"color: #ffffff;\">and click <b>Get Investment Advice<\/b> at the top of the page.<\/span><\/li>\n<li style=\"font-size: 11pt; line-height: 24px; color: #fde6da; margin-bottom: 8px;\"><span style=\"color: #ffffff;\">Follow the <strong>You Do The Work <\/strong>path (unless you want to enroll in Professional Managed Accounts) until you land on the <strong>Overview<\/strong> tab, then click on the <strong>Income Planner<\/strong> tab to begin using Social Security Guidance.<\/span><\/li>\n<li style=\"font-size: 11pt; line-height: 24px; color: #fde6da; margin-bottom: 8px;\"><span style=\"color: #ffffff;\">Follow the step-by-step prompts to get your proposed strategy and action plan.<\/span><\/li>\n<\/ol>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row][vc_row content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1676577565432{padding-top: 10px !important;padding-bottom: 10px !important;}&#8221;][vc_column width=&#8221;1\/12&#8243;][vc_single_image image=&#8221;224&#8243; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1676582930376{margin-top: -10px !important;padding-bottom: 20px !important;}&#8221;][\/vc_column][vc_column width=&#8221;11\/12&#8243;][vc_tta_accordion style=&#8221;flat&#8221; shape=&#8221;square&#8221; gap=&#8221;20&#8243; c_icon=&#8221;triangle&#8221; active_section=&#8221;0&#8243; no_fill=&#8221;true&#8221; collapsible_all=&#8221;true&#8221;][vc_tta_section title=&#8221;<strong>Personal Savings<\/strong>&#8221; tab_id=&#8221;1676578272328-bc9c3d5e-26ab&#8221;][vc_row_inner content_placement=&#8221;top&#8221; gap=&#8221;25&#8243;][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1676584681511{padding-bottom: 20px !important;}&#8221;]\n<p class=\"p1\">Over the course of your lifetime, you have probably accumulated personal savings outside of the ADP TotalSource Retirement Savings Plan.<span class=\"Apple-converted-space\">\u00a0 <\/span>In general, personal savings can be categorized into three \u201cbuckets\u201d: short-term, mid-term and long-term.<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;294&#8243; img_size=&#8221;FULL&#8221;][\/vc_column_inner][\/vc_row_inner][vc_row_inner][vc_column_inner][vc_column_text css=&#8221;.vc_custom_1676585238611{padding-bottom: 20px !important;}&#8221;]\n<h4><strong><span style=\"color: #7967ae;\">Short-term savings<\/span><\/strong><\/h4>\n<p class=\"p1\">This bucket is meant to provide two years\u2019 worth of retirement income and is funded with low-risk assets. These assets are unlikely to yield meaningful returns, but their reliability is what counts. The following fall into this category:<\/p>\n<ul>\n<li class=\"p1\">Savings accounts<\/li>\n<li class=\"p1\">Certificate of Deposits (CDs)<\/li>\n<li class=\"p1\">Short-term bonds<\/li>\n<li class=\"p1\">Money market accounts<\/li>\n<\/ul>\n<p class=\"p2\">The short-term bucket is all about liquidity and should allow you to meet your income needs without worrying about what\u2019s going on in the market. When this bucket begins running low, the idea is to replenish it with investment returns, dividends and interest income from your other two buckets.<\/p>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1676585314127{padding-bottom: 20px !important;}&#8221;]\n<h4><strong><span style=\"color: #7967ae;\">Mid-term savings<\/span><\/strong><\/h4>\n<p class=\"p1\">This bucket is dedicated to income you\u2019ll need three to seven years from now. Its function is to create both income and stability. The risk level here is medium. Playing it too safe can make it difficult to keep pace with inflation and being too risky could result in losses that impact your ability to meet your income needs. Assets in this bucket include:<\/p>\n<ul>\n<li class=\"p1\">\n<p class=\"p1\">CDs<\/p>\n<\/li>\n<li class=\"p1\">\n<p class=\"p1\">Longer-term bonds<\/p>\n<\/li>\n<li class=\"p1\">\n<p class=\"p1\">Growth and income mutual funds<\/p>\n<\/li>\n<\/ul>\n<p class=\"p1\">Returns generated from this bucket can be used to replenish your short-term bucket as needed.<\/p>\n[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1678986896223{padding-bottom: 20px !important;}&#8221;]\n<h4><strong><span style=\"color: #7967ae;\">Long-term savings<\/span><\/strong><\/h4>\n<p class=\"p1\">Devoted to growth, this bucket is earmarked for high-risk investments that will help you beat inflation over the long haul. That describes volatile assets that are likely to go up and down in value during the short term \u2013 but hopefully net meaningful returns over the next decade and beyond. This includes:<\/p>\n<ul>\n<li class=\"p1\">\n<p class=\"p1\">Individual stocks<\/p>\n<\/li>\n<li class=\"p1\">\n<p class=\"p1\">Real estate<\/p>\n<\/li>\n<li class=\"p1\">\n<p class=\"p1\">Personal brokerage accounts<\/p>\n<\/li>\n<\/ul>\n<p class=\"p1\">As income is generated from these investments, retirees can top off their intermediate bucket.<\/p>\n<p class=\"p2\">The bucket strategy is one way to manage your income when you\u2019re no longer working. If the style resonates with you, it can provide stability and allow you to grow your portfolio during retirement. Rebalancing your portfolio at least once a year is recommended.<\/p>\n[\/vc_column_text][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row][vc_row content_placement=&#8221;top&#8221; css=&#8221;.vc_custom_1676577565432{padding-top: 10px !important;padding-bottom: 10px !important;}&#8221;][vc_column width=&#8221;1\/12&#8243;][vc_single_image image=&#8221;227&#8243; alignment=&#8221;center&#8221; css=&#8221;.vc_custom_1676583435794{margin-top: -10px !important;padding-bottom: 20px !important;}&#8221;][\/vc_column][vc_column width=&#8221;11\/12&#8243;][vc_tta_accordion style=&#8221;flat&#8221; shape=&#8221;square&#8221; gap=&#8221;20&#8243; c_icon=&#8221;triangle&#8221; active_section=&#8221;0&#8243; no_fill=&#8221;true&#8221; collapsible_all=&#8221;true&#8221;][vc_tta_section title=&#8221;<strong>Work<\/strong>&#8221; tab_id=&#8221;1676578273679-51ef6ec6-cfcb&#8221;][vc_row_inner content_placement=&#8221;top&#8221;][vc_column_inner width=&#8221;1\/2&#8243;][vc_column_text css=&#8221;.vc_custom_1678542186633{padding-top: 10px !important;padding-bottom: 20px !important;}&#8221;]\n<p class=\"p1\">Some of the most effective ways to increase retirement income is to work a year or two longer, or to take a part-time job to supplement your income in the early years of retirement. If you plan to keep working \u2013 either full time or part time \u2013 during your retirement years, check with the <strong><a href=\"https:\/\/www.ssa.gov\/\" target=\"_blank\" rel=\"noopener\"><span class=\"s1\">Social Security Administration<\/span><\/a><\/strong> to see if employment will affect your benefits<\/p>\n[\/vc_column_text][\/vc_column_inner][vc_column_inner width=&#8221;1\/2&#8243;][vc_single_image image=&#8221;310&#8243; img_size=&#8221;FULL&#8221;][\/vc_column_inner][\/vc_row_inner][\/vc_tta_section][\/vc_tta_accordion][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1676586068047{padding-top: 40px !important;padding-bottom: 40px !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1676648766245{padding-bottom: 20px !important;}&#8221;]\n<h4><span style=\"color: #26328c;\"><strong>Draw-down strategy<\/strong><\/span><\/h4>\n<p class=\"p1\">Your \u201cdraw-down strategy\u201d is a plan for how to turn your assets into income that will last for life. It can be just as important as when you retire or how much you withdraw. Numerous studies suggest that if you follow a disciplined withdrawal plan, your savings have a good chance of providing income for 30 years or longer. A rule of thumb is to start by withdrawing no more than 4% of your retirement savings in the first year of retirement.<\/p>\n[\/vc_column_text]<div class=\"separator  \" style=\"padding-top: 20px; padding-bottom: 20px; \" ><hr class=\"solid\" style=\"border-color: #d0271d;\"><\/div>[\/vc_column][\/vc_row][vc_row content_placement=&#8221;middle&#8221; css=&#8221;.vc_custom_1676586371112{padding-bottom: 60px !important;}&#8221;][vc_column width=&#8221;1\/6&#8243;][\/vc_column][vc_column width=&#8221;1\/6&#8243;][vc_single_image image=&#8221;898&#8243; img_size=&#8221;FULL&#8221; alignment=&#8221;center&#8221; onclick=&#8221;custom_link&#8221; img_link_target=&#8221;_blank&#8221; link=&#8221;https:\/\/adptsretirement.com\/retirementplanningguide\/wp-content\/uploads\/2025\/12\/ADP_Retirement_Income_Brochure_2025.pdf&#8221; css=&#8221;.vc_custom_1765322424559{padding-bottom: 20px !important;}&#8221;][\/vc_column][vc_column width=&#8221;3\/6&#8243;][vc_column_text]\n<h4>Read <a href=\"https:\/\/adptsretirement.com\/retirementplanningguide\/wp-content\/uploads\/2025\/12\/ADP_Retirement_Income_Brochure_2025.pdf\" target=\"_blank\" rel=\"noopener\"><span class=\"s1\"><strong>A guide to generating income during retirement<\/strong><\/span><\/a> for more in-depth information on how to turn retirement savings into retirement income.<\/h4>\n[\/vc_column_text]<div class=\"separator  \" style=\"padding-top: 20px; padding-bottom: 20px; \" ><hr class=\"solid\" style=\"border-color: #d0271d;\"><\/div>[\/vc_column][vc_column width=&#8221;1\/6&#8243;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1676571930371{border-top-width: 2px !important;padding-top: 30px !important;background-color: #121c4e !important;border-top-color: #d0271d !important;border-top-style: solid !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1676571953357{padding-bottom: 20px !important;}&#8221;]<span style=\"color: #ffffff; font-size: 11pt;\">All investing involves risk, including loss of principal. When sold, an investment may be worth more or less than the original investment amount. Rebalancing does not ensure a profit nor guarantee against loss in a declining market.<\/span>[\/vc_column_text][vc_column_text css=&#8221;.vc_custom_1676591512347{padding-bottom: 20px !important;}&#8221;]\n<ol>\n<li style=\"font-size: 11pt; line-height: 18px; color: #ffffff; margin-bottom: 8px;\">\n<p class=\"p1\"><span style=\"color: #ffffff;\">Edelman Financial Engine\u2019s Social Security guidance can provide reasonable estimates that are not guarantees of future benefit payments. All estimates are based upon information about you, your stated goals as well as current Social Security laws, rulings and formulas available from the Social Security Administration. Decisions regarding Social Security are highly personal and depend on a number of factors such as your health and family longevity, whether you plan to work in retirement, whether you have other income sources as well as your anticipated future financial needs and obligations.<\/span><\/p>\n<\/li>\n<li style=\"font-size: 11pt; line-height: 18px; color: #ffffff; margin-bottom: 8px;\">\n<p class=\"p1\"><span style=\"color: #ffffff;\">Advisory Services provided by Voya Retirement Advisors, LLC (VRA). For more information, please read the Voya Retirement Advisors Disclosure Statement, Advisory Services Agreement and the Plan\u2019s Fact Sheet.<\/span><\/p>\n<\/li>\n<li style=\"font-size: 11pt; line-height: 18px; color: #ffffff;\">\n<p class=\"p1\"><span style=\"color: #ffffff;\">IMPORTANT: The illustrations or other information generated by the calculators are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. This information does not serve, either directly or indirectly, as legal, financial or tax advice and you should always consult a qualified professional legal, financial and\/or tax advisor when making decisions related to your individual tax situation.<\/span><\/p>\n<\/li>\n<\/ol>\n[\/vc_column_text][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1676571438123{padding-bottom: 40px !important;background-color: #121c4e !important;}&#8221;][vc_column][vc_column_text css=&#8221;.vc_custom_1677018760228{border-top-width: 1px !important;padding-top: 20px !important;border-top-color: #d0271d !important;border-top-style: solid !important;}&#8221;]<span style=\"color: #ffffff; font-size: 11pt;\">The information contained on this website is intended to summarize at a high level some of the provisions under the ADP TotalSource Retirement Savings Plan (the \u201cPlan\u201d). It is not intended to provide a full description of the Plan. In the event of a conflict between the official Plan document and this website, the official Plan document is controlling.<\/span><\/p>\n<p><span style=\"color: #ffffff; font-size: 11pt;\">Plan administrative services provided by Voya Institutional Plan Services, LLC (VIPS), a member of the Voya<sup>\u00ae<\/sup> family of companies.<\/span><\/p>\n<p><span style=\"color: #ffffff; font-size: 11pt;\">ADP, the ADP logo, ADP TotalSource and Always Designing for People are trademarks of ADP, Inc. Copyright \u00a9 2023 All rights reserved.<\/span><\/p>\n<p><span style=\"color: #ffffff; font-size: 11pt;\">\u00a9 2023 Voya Services Company. All rights reserved.<br \/>\n<\/span>[\/vc_column_text][\/vc_column][\/vc_row]\n<\/div>","protected":false},"excerpt":{"rendered":"<p>[vc_row layout=&#8221;wide&#8221; css=&#8221;.vc_custom_1676642835560{border-bottom-width: 1px !important;border-bottom-color: #d0271d !important;border-bottom-style: solid !important;}&#8221;][vc_column offset=&#8221;vc_hidden-sm vc_hidden-xs&#8221;][layerslider_vc id=&#8221;3&#8243;][\/vc_column][\/vc_row][vc_row layout=&#8221;wide&#8221; css=&#8221;.vc_custom_1676642835560{border-bottom-width: 1px !important;border-bottom-color: #d0271d !important;border-bottom-style: solid !important;}&#8221;][vc_column offset=&#8221;vc_hidden-lg vc_hidden-md&#8221;][vc_single_image image=&#8221;559&#8243; img_size=&#8221;full&#8221; alignment=&#8221;center&#8221;][\/vc_column][\/vc_row][vc_row css=&#8221;.vc_custom_1676578670558{padding-top: 40px !important;padding-bottom: 20px !important;}&#8221;][vc_column][vc_column_text] Develop a plan, detailing the accounts from which you will be withdrawing money and the order. Don\u2019t forget \u2013 in all likelihood, you will owe [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"page-full.php","meta":{"_exactmetrics_skip_tracking":false,"_exactmetrics_sitenote_active":false,"_exactmetrics_sitenote_note":"","_exactmetrics_sitenote_category":0,"footnotes":""},"class_list":["post-36","page","type-page","status-publish","hentry"],"_links":{"self":[{"href":"https:\/\/adptsretirement.com\/retirementplanningguide\/wp-json\/wp\/v2\/pages\/36","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/adptsretirement.com\/retirementplanningguide\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/adptsretirement.com\/retirementplanningguide\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/adptsretirement.com\/retirementplanningguide\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/adptsretirement.com\/retirementplanningguide\/wp-json\/wp\/v2\/comments?post=36"}],"version-history":[{"count":94,"href":"https:\/\/adptsretirement.com\/retirementplanningguide\/wp-json\/wp\/v2\/pages\/36\/revisions"}],"predecessor-version":[{"id":902,"href":"https:\/\/adptsretirement.com\/retirementplanningguide\/wp-json\/wp\/v2\/pages\/36\/revisions\/902"}],"wp:attachment":[{"href":"https:\/\/adptsretirement.com\/retirementplanningguide\/wp-json\/wp\/v2\/media?parent=36"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}