The 3 Ages of Retirement Planning
YoungThe power of compounding and the cost of delay.
Pre Retirement How much will I have available to spend in retirement?
Retired In what order do I withdraw from my retirement savings accounts?
If and when do I do partial IRA to Roth IRA rollovers?
Click on parameter titles for help.
(Default values in parentheses.)

Your Age Spouse's Age

Retirement Accounts
Retiree Spouse
Tax-Deferred Account Current Balance $000
Tax-deferred Account Maximum Annual Contributions $000

Roth IRA Current Balance $000
Roth IRA Maximum Annual Contributions $000

After-tax Account Current Balance $000
Maximum annual contribution of all types $000

Illiquid Assets
Home Other
Asset Value - Home, Business, Investment Property, etc. $000
Cost Basis - Price originally paid, for tax purposes. $000
Mortgage or Loan - Unpaid principle balance. $000
Age to Sell - Convert illiquid asset to liquid asset. Age

Reverse Mortgage
Age to Start Reverse Mortgage Distribution Age
Lifetime Income Plan Annual Payments $000
Lump Sum Distribution $000

Retirement Income
Retiree Spouse
Annual Social Security Benefits $000
Age to begin Social Security (Claim and Suspend Option) Age

Annual Pension and other income, adjusted for inflation

$000
Annual Pension and other income, not adjusted for inflation $000
Age to begin pension (Retirement Age) Age

Annual Earned Income - Part time and otherwise $000
Age to end earned income - After retirement age. Age

Retirement Plans
Retiree Spouse
Anticipated Retirement Ages (65) Age
Life Expectency (92) Age
Amount of Desired Estate in current dollars ($10,000) $000
Disable Tax-deferred to Roth IRA Transfers. Check to Disable
Reality Retirement Planning Spend it while you still can. Check to Apply

Glide Path
Stock Investments Annual Return (6%) %
Fixed Income Yields (3%) %
Ratio of stocks to fixed investments at retirement. (100%) %
Ratio of stocks to fixed investments at the plan end. (100%) %

Inflation
Income Spending
Inflation Rate (2.5%) %

Taxes
After-tax Account Estimated Federal Tax Rate (15%) %
Current Marginal Federal Income Tax Level (15%) %
Current Marginal State Income Tax Level %
Retirement State Income Tax Deductions & Exemptions $000
Retirement State Income Tax Rate: %
Exempt Social Security from state income taxes.(Not Exempt) Check to Exempt


Scenario Description:

Monte Carlo Risk Assessment.

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