Safety Years 0 to 2
$120,000
Be available the moment you need it.
Targets 4.0% (assumed)
| Money Market | |||
| T-Bills |
Use your browser’s print dialog — choose “Save as PDF” as the destination.
Your Retirement Strategy
Tom & Linda Whitaker
Prepared by Kyle Williams
Your portfolio of $1,400,000 is divided into three parts, each with a job based on when you’re likely to need the money.
Stability Years 3 to 7
$310,000
Protect principal while earning a competitive, predictable return.
Targets 5.0%
| MYGA | 3 years · 4.85% guaranteed | 40% | $124,000 |
| MYGA | 5 years · 5.15% guaranteed | 60% | $186,000 |
Growth Year 8+
$970,000
Grow, and protect your purchasing power from inflation.
Targets 7.2%
| Aggressive Model | 7.8% modeled | 70% | $679,000 |
| FIA | 6.1% hypothetical | 20% | $194,000 |
| MYGA | 7 years · 5.45% guaranteed | 10% | $97,000 |
How this strategy measures up
| Return your plan needs | 5.2% |
| Return this strategy targets, after fees6.5% before fees | 6.0% |
| Estimated annual advisory feeWeighted across the whole portfolio. Only the 49% held in managed accounts is charged a fee; contracts and cash are not. | 0.48% |
| Protected from market lossOf your whole portfolio | 52% |
| Risk you're comfortable with | 62 |
| Risk in this strategyAcross all three buckets | 44 |
| Growth bucket on its ownHigher than the whole by design — the near-term buckets bring it down | 63 |
Ongoing advisory fee only. Fund expense ratios, any annuity rider charges, and custodian fees are separate.
Putting it in place
Hold current annuity rates
Lock today's declared rates for the 4 contracts below while the paperwork is completed.
Open advisory accounts
$679,000 into managed accounts in your name.
Complete MYGA (3 years) application
$124,000 · 3 years · 4.85% guaranteed
Complete MYGA (5 years) application
$186,000 · 5 years · 5.15% guaranteed
Complete FIA application
$194,000 · 6.1% hypothetical
Complete MYGA (7 years) application
$97,000 · 7 years · 5.45% guaranteed
Initiate transfers
Move funds from your current accounts into the new positions. Existing holdings stay invested until each transfer settles.
Confirm contracts once issued
Review each contract when it arrives and confirm the rate, term, and ownership match what was agreed.
Schedule your first review
Revisit the bucket amounts as spending, income, and markets change — this strategy is meant to be adjusted, not set once.
Important information
Bucket amounts are planning estimates based on projected income and withdrawal needs. They should be revisited as spending, income, and markets change.
The required return reflects the rate of return the financial plan indicates is needed to meet the stated goals. It is derived from planning assumptions that will change over time.
Modeled returns are forward-looking assumptions, not projections or promises. No portfolio shown here is certain to achieve the return modeled, and any portfolio containing market investments can lose value.
Portfolio risk scores shown here are prototype approximations calculated from allocation-weighted strategy risk values. They are intended to illustrate relative risk between options, not to serve as a precise measure.
A risk tolerance score reflects the level of investment risk discussed with your advisor. It is a planning input, not a limit on how much a portfolio can lose.
Annuity guarantees are backed solely by the financial strength and claims-paying ability of the issuing insurance company. They are not FDIC insured, not bank guaranteed, and not backed by any federal government agency.
A MYGA is an insurance contract, not a bank product or a CD. The rate is fixed for a stated term. Withdrawals above the contractual free amount before the term ends may be subject to surrender charges and a market value adjustment, and withdrawals before age 59½ may incur an additional 10% federal tax penalty.
Hypothetical results show what the current crediting strategy and locked cap would have produced had they been applied to historical index values over the period shown. These results are hypothetical, did not actually occur, and are not a guarantee or prediction of future results. Caps and rates are subject to change on contract renewal.
Index-linked interest is credited according to the contract's crediting method and is limited by the cap and any participation rate. You are not investing directly in the index and do not receive index dividends.
This presentation is for discussion purposes and is not a recommendation to buy or sell any security or insurance product. Figures shown are estimates based on assumptions entered by your advisor and will differ from actual results.
Fairway Financial Partners