Originally Posted by Animorph
You can refine it a bit by using your life expectancy (joint) instead of years until 90. Another good way to spend to zero is to use a single payment immediate annuity. Then you are covered past 30 years. No need to buy one now, but something to keep in mind.
Yeah, I would look at that for at least part of your portfolio. That way someting would supplement that uniflated $110K after you pass 30 years. Of course, you didn't mention Social Security. I assume you that will be entering the picture and should make up the missing COLAs on the pensions.