Managing Money During Retirement
Defined Withdrawals
 A strategy for steady, dependable, and long-term investment income.
About the Creators

The Defined Withdrawals strategy was created by the father and son team of Roger and Kevin Katzenmaier.

Roger A. Katzenmaier, CPA, Ph.D., has been a practicing Certified Public accountant for over 25 years.  Roger has been an associate professor at the University of Minnesota and holds advanced degrees in accounting, management and finance.

Kevin R. Katzenmaier, B.S.E.E. is a Senior Engineer with 3M.  In addition, Kevin has been programming computers to solve finance problems for over 15 years.

The authors would also like to acknowledge Brentmark Software for their contributions.  Gregory Kolojeski, President of Brentmark Software, directed the development effort at Brentmark.  Patrick Matthews further developed the software and added many significant features and enhancements.  Thanks also to Jane Schuck, Vice President of Brentmark Software, for reviewing the software and the book.

Brentmark Software has been developing Estate, Financial, and Retirement Planning Software since 1985. Their programs are currently being used by thousands of attorneys, accountants, financial planners, and other professionals nationwide.



















Creating an income ladder using ordinary bank certificates of deposit is not difficult.  In fact the free online calculator at makes it easy.  CLICK HERE  

Free Book Download
This book explains how to use the ISG software, but it is much more than a software manual.  It is a comprehensive guide to managing investment and retirement income.  Learn about different investment income strategies, dollar-price erosion, income ladders, the new role that diversification plays when investing for income, the important difference between investing in bonds vs. bond funds, trend-line analysis, etc. CLICK HERE

Free Investment Income Simulator
In real life there are no do-overs, but with the Investment Income Simulator you can practice managing investments for income.  If you run out of money, click the repeat button and try a new strategy! CLICK HERE

A Nightmare On Wall Street
We recommend viewing this free presentation before using the Investment Income Simulator. CLICK HERE


Retirement Income Software
The unique ISG software is designed specifically for developing sophisticated retirement income plans using the Defined Withdrawals strategy. CLICK HERE 


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