Note: This is part three of a three-part series that takes a look at planning for retirement during the “fragile decade” — the five years before you retire plus the first five years of your retirement. Part one is In Retirement Planning, Consider the Entire Journey. Part two is Goals-Based Retirement Planning Is All About You. When it comes to withdrawing from your portfolio, many retirees fear that their cash flow might run out before they do. As illustrated in part one of this series, relying on stock sales to meet retirement expenses can be risky, especially during a market downturn early i…