Can you play add the Hebeler Autopilot II method of withdrawls? The Hebeler Autopilot strategy derives its name from its creator, a financial advisor named Henry K. Hebeler. This is the second algorithm that he created, hence the “II” in the name.

The way that Autopilot II works is as follows: you combine 75% of your previous year withdrawal with 25% of the withdrawal you would make using the PMT formula.

The Autopilot algorithm has qualities that place it in the middle of the “Maximize Spend” and “Maximize Longevity” withdrawal strategy groups. It can typically last for many years after your projected retirement date, and frequently has a nonzero portfolio in the final years, which is why it has been grouped in “Maximize Longevity.”