I save monthly into index funds and have 1 year of living expenses in an emergency bucket (my target is to grow this to be 3 years of living expenses). But I'm

I save monthly into index funds and have 1 year of living expenses in an emergency bucket (my target is to grow this to be 3 years of living expenses). But I'm not actually sure how I will transition from this accumulation/investing phase into a drawing-out phase when the time comes, nor do I have any concrete rebalancing plans all worked out. I think I might need to talk to a financial advisor at some point to just go over the general strategy and come up with something concrete for that later stage.