if you are retired and looking for a retirement income withdrawal plan, you might be interest in this article Kreitler.

It focus on "pools" of investmens and cash flows sources associated with each from which one can take withdrawals. Central to the article are use of immediate annutities, fixed and variable. If you are willing to consider using immediate annuities as retirement income vehicles then it should be of interest to you.

Bob Uphaus is the person who brought it to my attention but it is my choice to post it here. 

 Ray