Safety
Years 0 to 2$120,000
Targets 4.0% (assumed)
Be available the moment you need it.
- Money Market
- T-Bills
Tom & Linda Whitaker
Your Retirement Strategy
$1,400,000, with every portion given a job based on when you'll need it.
Stability
Years 3 to 7$310,000
Targets 5.0%
Protect principal while earning a competitive, predictable return.
- MYGA40%3 years · 4.85% guaranteed$124,000
- MYGA60%5 years · 5.15% guaranteed$186,000
Growth
Year 8+$970,000
Targets 7.2%
Grow, and protect your purchasing power from inflation.
- Aggressive Model70%7.8% modeled$679,000
- FIA20%6.1% hypothetical$194,000
- MYGA10%7 years · 5.45% guaranteed$97,000
How this strategy measures up
- Return your plan needs
- 5.2%
- Return this strategy targets
- 6.0%
- 6.5% before fees · meets the plan's requirement
- Protected from market loss
- 52%
- Of your whole portfolio
- Risk you're comfortable with
- 62
- Risk in this strategy
- 44
- Within your stated comfort
- Growth bucket on its own
- 63
- Higher than the whole, by design — the near-term buckets bring it down
- Estimated annual fee
- 0.48%
- Weighted across your whole portfolio. Only the 49% held in managed accounts is charged a fee — contracts and cash aren't.
Ongoing advisory fee only. Fund expense ratios, any annuity rider charges, and custodian fees are separate.
Move Forward With This Plan
Nothing is submitted yet — the next screen shows what putting this in place involves.
Print or save as PDFModeled 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.
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.
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.
Bucket amounts are planning estimates based on projected income and withdrawal needs. They should be revisited as spending, income, and markets change.
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.