RETIREMENT ON-RAMP

Apparatus and methods for providing a banking service are provided. The method may use an electronic information processing platform. The method may include storing, in a computer memory, information relating to a current balance in a first customer account. The method may also include storing information relating to a retirement balance. The retirement balance may be a projected balance that will be present in the first customer account upon the customer's retirement. The method may further include storing information relating to a period of time. The period of time may relate to a time span that spans from a predetermined pre-retirement date to a customer's projected retirement date. The systems and methods of the invention may also include activating a series of withdrawals. The series of withdrawals may withdraw funds from the first customer account and deposit the withdrawn funds in a second customer account. The amount of funds withdrawn from the first customer account may increase at least once during the duration of the series of withdrawals. The funds withdrawn from the first customer account may modify the current balance to be similar to the retirement balance at least once during the duration of the series of withdrawals. The amount of funds withdrawn by each withdrawal may be based at least in part on the stored information relating to the current balance, the retirement balance, and the period of time.