The income withdrawal method suggested for the couple just started retirement and aged 65 years, is a strategic systematic withdrawal. The couple may decide the amount they needed after the consumption of social security and pension income, plan to withdraw systematically from the portfolio worth of $1.0 million. Strategic systematic withdrawals works immediately for the aged couple that can start withdrawing the minimum amount and let the remaining amount continue investing, which adds up the returns to the portfolio. The couple needs immediate withdrawals as the annuity plans requires the couple to invest for few years before the plan starts payout, ideally such plans needs to be taken before preretirement age of 55 years. The couple needs not pay for the withdrawal plans and wait for the payouts after certain years in strategic systematic withdrawals; they can easily ensure funds availability to cover the expenses. Further they can change the withdrawal amount depending on the requirements and needs such as medical care. The amount available in the portfolio works itself by investing back in the markets such as equity markets, mutual funds, fixed deposits, bonds etc., gaining returns which is further added to the existing portfolio. However the couple needs to adopt low risk strategy while investing the portfolio in the markets