Ragsdale, Cliff T., Andrew F. Seila, and Philip L. Little. “An Optimization Model for Scheduling Withdrawals from Tax-Deferred Retirement Accounts”. Financial Services Review 3, no. 2 (December 30, 1994): 93–108. Accessed July 3, 2024. https://openjournals.libs.uga.edu/fsr/article/view/3726.