It seems that most who try to save for retirement focus on growing their money as much as possible. But, what happens when it comes time to start using that money? Moving from accumulation to distribution can be daunting, there are so many things to consider. This week on the show, we talk about Distribution planning and the headwinds that retirees face and what to consider as you plan to start taking income from your assets. You will also be introduced to one of our Washington based planners, John Carruthers.