1. A method for distributing retirement assets, the method comprising: providing a processor; receiving a cash flow target value for a period for an individual; receiving income values for the period for the individual; receiving retirement asset portfolio data including a plurality of retirement money sources for the individual; classifying the plurality of retirement money sources into a plurality of money classes; calculating, via the processor, a funds distribution schedule for funding the cash flow target value for the period using the cash flow target value, the income values, and the retirement asset portfolio data, wherein the funds distribution schedule maximizes a projected total retirement asset portfolio value of the plurality of money classes over a retirement time horizon, the funds distribution schedule including a recommended sum to withdraw from each of the plurality of money classes for the period; and providing the funds distribution schedule.