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CONFIDENTIAL FINANCIAL ANALYSISFORMIKE & TINA SAMPLEJUNE 29, 2012JEFF GOLDFINEVICE PRESIDENT OF SALES3200 FAIRLANE FARMS RD. STE 4BWELLINGTON, FLORIDA 33414O: 561-935-3353M: 561-676-8695F: 800-514-3413JEFF @SYNAPTIQLIFE. COMThe estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
Client GoalsRetirement GoalsDateAmountVacation11/2026 13,500Education Fund1/2008 15,000Possibly Retire Early1/2020 0The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
PERSONAL – EMPLOYMENT – INCOMEIn this section you will see your personal contact information and the name and contact information of youraccountant and estate planning attorney if applicable. Here you will also see your sources of income either fromyour present employer, if still working, or you may find this section blank if you are currently retired. Alsocontained here are your social security and pension benefits if applicable.The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
Contact 5859878-682-5859Emailsample@msn.comtina@msn.com28 Princeton DriveLewisburg, OR 8888828 Princeton DriveLewisburg, OR 88888BirthdateAddressProfessional Contact InformationProfessionAccountantEstate Planning AttorneyNameEmail AddressTelephoneScott vin Hansonkevin@hansonlaw.com509-889-0022Employment IncomeEmployerMikeTinaKroger FoodsSimplotCurrent Gross Monthly Salary 5,500 4,200Projected Annual Salary Increase %2.00%2.00%Projected Retirement Date1/20221/202169 years 2 months65 years 1 monthRetirement AgeSocial Security BenefitsOwnerStart AgeLife or End AgeGross Monthly BenefitProjected COLA Increase %Mike69Life 2,1352.50%Tina65Life 7882.50% 02.53%Pension BenefitsOwnerMikeStart Age69Life or End AgeLifeGross Monthly BenefitProjected COLA Increase %% to Survivor 7002.00%100.00% 00.00%0.00% 00.00%0.00%The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
ASSETS – PORTFOLIO INFORMATIONRetirement Assets will provide income in retirement. If you are already retired, these assets may be usedpresently to facilitate your income need. Listed next are any annuities with guaranteed income benefits or anySPIAs. Additional portfolio information provides your account totals, monthly contributions, your minimumretirement funds balance and projected rates of return before and after retirement. Finally, you have a two assetallocation pie graphs; the left hand graph show’s your desired or suitable allocation and the right graph displaysyour current risk level.The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
Retirement AccountsOwnerCompanyAccount TypeRiskAccount ValueMonthly ContributionsMore Info 15,009 0 1 500 6,000 0At Risk 118,527 700Traditional IRAAt Risk 47,044 300Traditional IRAAt Risk 108,527 400TinaAIGCheckingLow RiskTinaMorgan StanleyRoth IRAAt RiskMikeVanguardRoth IRALow RiskMikeIBM401KMikeAmerican FundsTinaVanguard Mutual FundsGuaranteed Income Benefit Annuities & Single Premium Immediate AnnuitiesOwnerMikeCompanyPayout ModeAllianz 100,000AnnualAdditional Portfolio InformationAccount ValueDesired Risk Level:BenefitAmountStart Date 8,927End Date1/202230.00%More InfoLifeCurrent Risk Level: 69.37%AmountRetirement Accounts 295,108Guaranteed Income Balance 100,000Total Accounts Value 395,108Total Monthly Contributions 1,900Minimum Retirement Funds 75,000LowAt Risk30.00%30.63%Rate of ReturnCurrent Weighted Average2.52%Before Retirement4.00%After Retirement4.00%70.00%69.37%The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
Risk Assessment1. Time HorizonHow much time, in years, can you let your Assets Earmarked for Retirement grow, before you will have to begin withdrawals? Answers to this questionwill help us determine how long you might leave your money invested before having to use it in retirement.0-23-56-1010-1313 2. Approach to Saving & RiskHow do you feel about Saving and Risk? Answers to this question will help us determine your tolerance for risk.I DO NOT WANT TO SEE MY PRINCIPAL AMOUNT DECREASE.I CANNOT AFFORD A SIGNIFICANT LOSS TO PRINCIPAL REGARDLESS OF INTEREST EARNED.AS LONG AS MY RATE OF INTEREST STAYS AHEAD OF INFLATION, I DON'T WANT THE EXPOSURE TO NON - GUARANTEED PRINCIPAL INVESTMENTS.IF I CAN MAKE A MODERATE RATE OF INTEREST ON MY INVESTMENT, I CAN WITHSTAND SOME MARKET FLUCTUATION.I WANT TO INVEST FOR HIGHER RETURNS AND I AM WILLING TO TAKE ON SOME RISK.3. Interest EarningWhat would you consider reasonable interest earned on your assets earmarked for retirement? Answers to this question will help us determine yourexpectations for interest earned or rate of return.3% - 4%4% - 6%7% - 9%9 - 11%GREATER THAN 11%4. Risk ToleranceYou've just made a 100,000 Investment. You are exposed to the following best and worst case scenarios. Which possibility would you choose?Answers to this question will help us further determine your risk tolerance.BEST CASE 102,000 INCREASE 2,000 WORST CASE 100,000 DECREASE 0BEST CASE 104,000 INCREASE 4,000 WORST CASE 96,000 DECREASE 4,000BEST CASE 108,000 INCREASE 8,000 WORST CASE 92,000 DECREASE 8,000BEST CASE 112,000 INCREASE 12,000 WORST CASE 88,000 DECREASE 12,000BEST CASE 116,000 INCREASE 16,000 WORST CASE 84,000 DECREASE 16,000The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
EXPENSES – CASH FLOWSCurrent monthly expenses after tax represents the total amount needed to pay your monthly bills. The inflationrate will increase your present costs into the future to help you keep the same standard of living you have todaythroughout retirement. If you are presently retired, your current monthly expenses and your projected monthlyexpenses at retirement will be the same. Future Monthly Expense Changes will account for any increases ordecreases in your monthly budget. The Future Cash Flows account for any monthly or annual inflows or outflowsthat take place now and into the future.The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
Monthly ExpensesProjected InflationRateCurrent Monthly Expense After Tax 5,100Projected Monthly Expense After Taxat Retirement on 1/1/20223.00%% of Needed Expensesin Retirement after 1/1/2022 6,456 (including inflation)80.00% 5,164 (including inflation)Future Monthly Expense ChangesReasonTypeMonthly AmountStart DateEnd DateMortgage Paid OffDecrease 1,0001/2035Travel ExpenseIncrease 6001/20231/2030New Rental PaymentIncrease 1,5001/20351/2150Future Cash FlowsOwnerSourceModeCash FlowAmountIncreaseStart DateEnd DateBothGranchild EducationAnnualOutflow (-) 15,0000.00%3/20283/2031BothVacationAnnualOutflow (-) 13,5000.00%11/202611/2026BothSell HomeAnnualInflow ( ) 475,0000.00%1/20351/2035MikeOverfunded LifeAnnualInflow ( ) 00.00%1/20221/2150Budget WorksheetHouseholdMortgage, RentAmountTransportation 1,000Home, Rental, Insurance 150Maintenance, Supplies 0Utilities Electric/Gas 100Water Sewer 50Cable, Phone/InternetMonthly ExpensesAuto Loans 500Auto Insurance 150Fuel 500RepairsOther (enter description)Health 0Other (enter description) 0Amount 0AmountHealth Insurance 400Disability Insurance 0Life, LTC Insurance 0Groceries 800Medicine, Drugs 0Clothing 150Veterinarian, Pet Care 0Salon, Massage, Manicure 100Dining, Eating OutOther (enter description)Debts, LoansEntertainment 0AmountHome, Shows, Events 0Sports, Hobbies, Lessons 0Dues, Memberships 0Other (enter description) 500 0AmountCredit Cards 0Student Loans 0Alimony, Child SupportDaily Living 1,050Entertainment 500Transportation 1,150Charity GiftsOther (enter description)Health 400Debts, Loans 450Charity, Gifts 0Total Expenses 5,100 450Other (enter description)Charity, GiftsVacation/Travel 1,550 0 0Other (enter description)HouseHold 0 250House CleaningDaily LivingAmount 0Amount 0 0The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
Historical Inflation 2.3%20113.2%98 Year Average3.36%10 Year Average2.42%The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
TAX INFORMATIONThe following page shows your projected federal tax rate during the first year of retirement along with youraverage state tax rate. Next is your tax grid along with your present deductions and any possible future changes.The right hand summary box in grey displays your federal tax calculations for the first year of retirement. The piechart at the bottom shows a breakdown of your total taxable income.The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
Projected Tax Rates2022 Federal Tax Rate CalculationProjected Federal Tax RateProjected State Tax Rate - Oregon (8.60%)Wages7.21%8.60%Taxable Social SecurityPension1099 IncomeFiling Status - MarriedFromToTaxPlusOtherOver 48,730 19,500 17,400Taxable Income 29,230 70,700Base From Chart 17,400 010.00% 0 17,400 70,700 1,74015.00% 9,73525.00% 612 8,927Deductions 17,400 142,700 8,428Gross Income 0 70,700 0 30,763Tax On Base 1,740 142,700 217,450 27,73528.00% 142,700 217,450 388,350 48,66533.00% 217,450Tax on Amount Over Base 1,775 105,06235.00% 388,350Federal Tax Owed 3,515State Tax Owed 4,191 388,350Amount Over BaseTotal Tax OwedDeductionsFederal Tax BracketCurrent Deduction TypeCurrent AmountItemized 30,000 Minimum: 19,500 (Standard Deduction)Federal Tax Rate 11,830 7,70615.00%7.21%Projected ChangesStart YearType2025Deduction AmountStandard 19,500Itemized 19,5002022 Gross Income BreakdownPension 8,428Other 8,927Social Security 30,7631099 Incom e 612This article is designed to provide general information on the subjects covered. Pursuant to IRS Circular 230, it is not, however, intendedto provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plans orarrangement. Please note that the individual providing this analysis does not give legal or tax advice. Please consult your tax advisor orattorney.The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
PRE-RETIREMENTThe Pre-Retirement Summary shows your monthly income sources in comparison to your monthly expenses.The net monthly cash flow column represents either the surplus or deficit you have each month. This analysisruns from today up to the first day of retirement.The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
Pre-Retirement Monthly Cash Annual CashContributionsFlowsFlowsGrossMonthlyIncomeNet MonthlyIncomeNet MonthlyExpensesNet MonthlyCash FlowRetirementFunds 395,10820126057 9,700 1,900 0 0 9,700 6,805 5,1712013612014622015 1,134 417,89858 9,894 1,900 059 10,092 1,900 0 0 9,894 6,707 0 10,092 6,839 5,296 911 458,157 5,425 914 499,9876360 10,294 1,900 0 0 10,294 6,973 5,558 915 543,51420166461 10,49920176562 10,709 1,900 0 0 1,900 0 0 10,499 7,109 5,695 914 588,808 10,709 7,249 5,836 913 635,94020186663 10,924 1,900 0 0 10,924 7,391 5,981 910 684,98620196720206864 11,142 1,900 065 11,365 1,900 788 0 11,142 7,536 6,130 906 736,023 0 12,153 8,312 6,284 1,528 789,13220216966 6,573 1,000 3,643 0 10,216 7,560 6,443 1,117 833,360The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
RETIREMENTThe Retirement Summary shows your monthly income sources in comparison to your monthly expenses. Thenet monthly cash flow column represents either the surplus or deficit you have each month. This summary startson your date of retirement and continues until age 100. You may or may not see a red and/or yellow line. Pleasenote that the yellow line represents the point where your retirement funds drop below the desired minimumretirement account balance. The red line pin points where your retirement funds have been exhausted.The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
Retirement MonthlyCash FlowsAnnualCashFlowsYearMikeAgeTinaAge20227067 714 3,016 0 8,92720237168 728 3,092 020247269 743 3,16920257370 758 3,24920267471 eNet MonthlyIncomeNet MonthlyExpensesNet MonthlyCash FlowGuaranteedAccountsRetirementFunds 3,730 3,214 5,284- 2,0693.20% 146,623 686,737 143,306 697,629 9,194 3,820 3,286 6,095- 2,8094.31% 139,575 700,320 0 9,470 3,912 3,358 6,253 0 9,754 4,007 3,433 6,417- 2,8944.43% 135,405 702,284- 2,9834.55% 130,769 703,442 3,330 0- 3,452 4,103 3,509 6,585- 3,0756.65% 125,640 686,256 788 3,413 0 10,348 4,201 804 3,498 0- 4,340 4,302 3,587 6,760- 3,1725.02% 119,989 675,711 3,667 6,939- 3,2717.62% 113,783 646,07874 820 3,585 0- 4,020 4,405 3,748 7,123- 3,3748.25% 106,993 607,6647875 837 3,675 07976 853 3,767 0- 3,691 4,512 3,833 6,480- 2,6477.43% 99,583 573,079- 3,352 4,620 3,918 6,651- 2,7328.04% 91,518 538,78520328077 870 3,861 0 11,997 4,731 4,006 6,827- 2,8205.79% 82,760 517,79520338178 88820348279 906 3,957 0 12,357 4,845 4,096 7,008- 2,9116.18% 73,272 499,799 4,056 0 12,727 4,962 4,189 7,194- 3,0046.61% 63,010 481,19720358380 924 4,158 0 488,109 5,082 4,284 7,785- 3,5013.97% 51,934 950,12520368420378581 942 4,262 0 13,502 5,204 4,381 7,983- 3,6024.15% 39,997 933,86482 961 4,368 0 13,907 5,329 4,479 8,187- 3,7074.36% 27,152 913,77420388683 980 4,478 0 14,325 5,458 4,582 8,396- 3,8144.60% 13,349 890,35020398784 1,000 4,590 0 14,754 5,590 4,686 8,612- 3,9264.87% 0 863,60420408885 1,020 4,704 0 15,197 5,724 4,792 8,835- 4,0425.19% 0 833,34920418986 1,040 4,822 0 15,653 5,862 4,902 9,064- 4,1615.55% 0 799,25420429087 1,061 4,943 0 16,123 6,004 5,014 9,300- 4,2855.99% 0 761,04520439188 1,082 5,067 0 16,606 6,149 5,129 9,543- 4,4136.43% 0 728,50820449289 1,104 5,192 0 17,105 6,296 5,245 9,792- 4,5466.80% 0 708,72920459390 1,126 5,323 0 17,618 6,449 5,367 10,051- 4,6847.21% 0 686,97220469491 1,148 5,455 0 18,146 6,603 5,489 10,316- 4,8277.67% 0 663,10320479592 1,171 5,592 0 18,691 6,763 5,615 10,589- 4,9738.21% 0 637,03320489693 1,195 5,732 0 19,251 6,927 5,735 10,872- 5,1368.84% 0 608,47720499794 1,219 5,876 0 19,829 7,095 5,852 11,161- 5,3089.59% 0 577,41520509895 1,243 6,022 0 20,424 7,265 5,971 11,460- 5,48810.48% 0 543,77020519996 1,268 6,172 0 21,037 7,440 6,094 11,768- 5,67411.54% 0 507,413205210097 1,293 6,327 0 21,668 7,620 6,220 12,085- 5,86412.83% 0 468,222205310198 1,319 6,485 0 22,318 7,804 6,350 12,412- 6,06114.44% 0 426,042205410299 1,346 6,647 0 22,987 7,993 6,482 12,748- 6,26616.51% 0 380,7322055103100 1,372 6,813 0 23,677 8,185 6,617 13,095- 6,47719.26% 0 332,1392056104101 1,400 6,984 0 24,387 8,384 6,757 13,452- 6,69423.09% 0 280,105WP %The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
MARKET COMPARISONThe Market Comparison will show differences in retirement funds using two scenarios. The first with a linear rateof return and the second with specific market returns over a given period of time.The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
The 12 year Balance with 4% rate of return assumes that all assets will receive a 4% rate of return throughout retirement. The 12 yearbalance with previous S&P market returns shows all of the low risk accounts receiving the 4% rate of return throughout retirement. Thedifference in this scenario is that all of the at risk assets receive the exact S&P returns over the last twelve years beginning on the date ofretirement. Comparing these two scenarios produces the difference column in red.Market SummaryCurrent Risk Level: 69.37%12 Year Balance With 4.00% Rate of Return 573,07112 Year Balance With Previous S&P 500 Returns 326,74830.63% 246,323Difference69.37%LowYEAR & AGEYearMike AgeRETIREMENT SUMMARYTina AgeRate of ReturnAt RiskMARKET COMPARISONRetirement FundsRate of Return 833,209DIFFERENCERetirement FundsValue 833,209202270674.00% 840,935-9.11% 756,706- 84,228202371684.00% 839,895-11.88% 662,847- 177,048202472694.00% 837,689-22.10% 535,801- 301,888202573704.00% 834,21228.70% 625,787- 208,424202674714.00% 811,89710.87% 628,226- 183,670202775724.00% 795,7004.91% 608,916- 186,783202876734.00% 759,86215.80% 620,574- 139,288202977744.00% 714,6585.49% 576,391- 138,266203078754.00% 672,663-37.00% 392,233- 280,429203179764.00% 630,30326.46% 391,401- 238,901203280774.00% 600,55612.51% 371,643- 228,912203381784.00% 573,0710.00% 326,748- 246,323203482794.00% 544,2084.00% 287,850- 256,358203583804.00% 1,002,0604.00% 735,257- 266,803203684814.00% 973,8614.00% 696,188- 277,673203785824.00% 940,9264.00% 651,940- 288,985203886834.00% 903,7004.00% 602,940- 300,759203987844.00% 863,6044.00% 550,591- 313,013204088854.00% 833,3494.00% 507,584- 325,765204189864.00% 799,2544.00% 460,216- 339,037204290874.00% 761,0454.00% 408,194- 352,850204391884.00% 728,5084.00% 361,282- 367,226204492894.00% 708,7294.00% 326,541- 382,187204593904.00% 686,9724.00% 289,213- 397,758204694914.00% 663,1034.00% 249,139- 413,964204795924.00% 637,0334.00% 206,203- 430,829204896934.00% 608,4774.00% 160,094- 448,382The estimates included in this program are based on information supplied by he client such as estimated Social Security benefits, pension benefits, projections of cost of living increases, inflation rates, andfederal and state income tax rates. Current federal income tax tables are used in certain calculations. All of these items are subject to change and will have an effect on the long range outcome show in the analysis.The developer has done the due-diligence to maintain the accuracy of the information and calculations, but the assumptions do not encompass all situations. The developer does not make any guarantees on theoutcome of any recommendations made based upon the above information.
The 12 year Balance with 4% rate of return assumes that all assets will receive a 4% rate of return throughout retirement. The 12 yearbalance with previous S&P market returns shows all of the low risk accounts receiving the 4% rate of return throughout retirement. Thedifference in this scenario is that all of the at risk assets receive the exact S&P returns over the last twelve years beginning on the date ofretirement. Comparing these two scenarios produces the difference column in red.Market SummaryCurrent Risk Level: 69.37%12 Year Balance With 4.00% Rate of Return 573,07112 Year Balance With Previous S&P 500 Returns 326,74830.63% 246,323Difference69.37%LowYEAR & AGEYearMike AgeRETIREMENT SUMMARYTina AgeRate of ReturnAt RiskMARKET COMPARISONRetirement FundsRate of R
Mike IBM 401K At Risk 118,527 700 Mike American Funds Traditional IRA At Risk 47,044 300 Tina Vanguard Mutual Funds Traditional IRA At Risk 108,527 400 Guaranteed Income Benefit Annuities & Single Premium Immediate Annuities Guaranteed Income Benefit Annuities & Single Premium Immediate Annuities Owner Company Payout Mode Account Value .
