{
      "name": "retirement-decumulation-decisions",
      "domain": "Consumer & Wealth Compliance",
      "title": "Retirement Decumulation Decisions",
      "description": "Social Security claiming-age optimization paired with the pension lump-sum-vs-annuity decision engine.",
      "composer_url": "https://ainumbers.co/chaingraph/chains/retirement-decumulation-decisions.html",
      "steps": [
        {
          "tool_id": "art-282-social-security-claiming-optimizer",
          "handoff": "recommendedClaimAge and lifetimePV establish the claimant's decumulation income baseline used alongside the pension lump-sum-vs-annuity comparison"
        },
        {
          "tool_id": "art-283-pension-lump-sum-vs-annuity-decision-engine",
          "handoff": "annuityPV, breakEvenRate, and recommendation form the paired decumulation decision record; terminal stage"
        }
      ]
    }