Assume your client retires with $4.1 million. How much can they withdraw at the beginning of each year (which will be inflation-adjusted) if their portfolio rate of return is 5.3%, inflation is expected to be 2.75%, they have 29 years in remaining life expectancy, and they would like to leave an inflation-adjusted retirement nest egg (based on the $4.1 million) to their heirs at the end of their life