Your plan for drawing down retirement assets could be just as important as your approach to accumulating retirement savings. Experts recommend various methods, such as the so-called 4% rule — withdrawing 4% of your nest egg each year (with adjustments for inflation) — or a three-phase system dividing your assets into groups for short-term, mid-term, and long-term retirement needs.This could be especially tricky if you have multiple accounts subject to different tax treatments. Among the questions you might ask are: (1) Do you want to pay taxes now or later? (2) Should you keep certain funds pursuing growth as long as possible? (3) Could taxable distributions push you into a higher tax bracket or affect the taxability of your Social Security benefits?