One option is to simply withdraw $4,000 per month from your retirement savings. Then, once you start taking Social Security, you can withdraw less from your savings in hopes that your investment earnings will replenish what you’ve taken out.Now you have to figure out how to cover the annual shortfall between ages 60 and 65.But if you need additional help building a retirement income plan to ensure you can meet your monthly expenses, consider speaking with a financial advisor .Once you start receiving Social ...