A financial toolkit for part-time workers

To make sure clients don't outlive their savings, Coppa advises them to get a handle on their cash flow. Managing income and expenses in retirement is more important than relying on any rule, he said. Bottom line, knowing what you'll spend is the best way to determine what you'll be able to withdraw.

But Doug Lockwood, a certified financial planner with Harbor Lights Financial, said it is possible for retirees to withdraw 4 percent a year from savings and have the money last-as long as the mix of assets is well-diversified. A model portfolio of 60 percent stocks and 40 percent bonds could work, depending on the type of equities.

"You have to look at not only interest rates and bond rates that you can draw upon, but where am I getting my income from my equities," Lockwood said. "At that point, you have to look at dividend-paying stocks to grab that equity yield, which is quite frankly a better bet these days ([han bond yields]."

Depending on age and risk tolerance, Lockwood said, a 4 percent withdrawal rate is a good guideline for gauging whether you'll have enough money in retirement. But also consider what effect taxes and inflation have on your investments.

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