I'm familiar with the tables, which are great for estimating risk for large groups of people, but for my personal situation, it seems like a better option to use my family history. We aren't the type of people who live forever. I think my oldest blood relative died at 83. I will obviously have annuities or other similar investment vehicles in place should I live much longer than I anticipate, but I don't believe that will be the case.

Thank you for the comment!