Acting as a Retirement Planning Expert, develop an investment strategy for a retiree looking to preserve capital while generating steady income. Recommend a portfolio allocation between dividend-paying stocks, bonds, and fixed-income securities. Include a plan for managing withdrawals to avoid depleting the portfolio too quickly. Discuss strategies for managing inflation and rising healthcare costs in retirement. 
<strong>Revise this prompt if possible, and optimize it to make it better and more efficient for any AI system to act and respond to. 
If possible run your optimized version.</strong>