  Retirees who exhaust their savings while still alive are said to experience
financial ruin. These savings are typically grown during the accumulation phase
then spent during the retirement decumulation phase. Extensive research into
invest-and-harvest decumulation strategies has been conducted, but
recommendations differ markedly. This has likely been a source of concern and
confusion for the retiree. Our goal is to find what has heretofore been
elusive, namely an optimal decumulation strategy. Optimality implies that no
alternate strategy exists or can be constructed that delivers a lower
probability of ruin, given a fixed inflation-adjusted withdrawal rate.
