The Best Third

Spend more in retirement - with confidence

Our research-backed tools show how much you can safely spend.

Create Your Free Plan

Your Best Retirement Is Within Reach.

Most retirees worry about how much they can safely spend

With The Best Third, you can confidently plan your retirement income using a strategy proven to allow for more spending.

Our app provides personalized insights based on your specific financial situation, ensuring you can enjoy a secure and comfortable retirement.

Unsure of How Much to Spend During Retirement?

Figure Out Your Future

Withdraw with Confidence with personalized plans.

Create a custom retirement plan with flexible timelines and individualized income targets.

Simple strategy backed by peer-reviewed research.

Inflation-protected Treasury bonds (TIPS) plus market investments for growth.

Spend more without the risk of running out.

Secure your essentials with inflation-protected bonds, then invest remaining assets for greater spending.

Created by a PhD financial expert for your peace of mind.

Built on actuarial science and tested against historical market scenarios for maximum reliability.

In the media

Create Your Plan in 4 Easy Steps

Create Your Free Account

Describe Your Situation

Get Your Personalized Plan

Start Spending Confidently

Start Now

Retirement Planning Made Simple

Everything you need to build a secure financial future in one place

Inflation Protected

U.S. Treasuries

Tax Smart

Longevity Protected

Market Upside

Beats the “4% Rule”

Your Personalized Plan

Our Stories of Financial Achievement

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Testimonials

This is already an amazing tool.

I'm sure it is making a positive impact on real people! The framework of pairing TIPS for baseline spending with a total market index fund amortized using ARVA is such an intuitive and logical approach. Thank you genuinely for advancing how to think about retirement income planning.

DJ, CFP, Ohio

I love the approach and the tool built to support it.

I think you are onto something that really speaks to those retirees and near retirees looking for something more definitive and sound...but still as simple...as the 4% rule and any other asset allocation based + withdrawal rate approach.

KH, 64, Texas

Thank you for making this fantastic site available.

It is easy to navigate with clear instructions. It has given us insight on our future financial path with actionable steps that provide confidence and clarity.