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Facts, Choices and Assumptions

Every field on this form represents an issue that may affect your retirement finances.
Take your time; give each some thought.

Click on parameter titles for help. (Default values in parentheses.)

Your Age Spouse's Age

Retirement Accounts
Retiree Spouse
Tax-deferred Account Initial Balance $000
Tax-deferred Account After tax Balance $000
Tax-deferred Account Maximum Annual Contribution $000

Roth IRA Initial Balance $000
Roth IRA Maximum Annual Contribution $000
Roth IRA Minimum Balance $000

After-tax Account Initial Balance $000
After-tax Assets Cost Basis $000
Maximum Annual Contribution of All Types $000

Minimum Estate in current dollars (No Estate) $000

Illiquid Assets
Home Other
Asset Value $000
Cost Basis - Originally Cost, for Tax Purposes. $000
Mortgage or Loan - Principal balance due at sale $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

Annual Retirement Income
Retiree Spouse
Social Security Benefits current or (PIA) $000
Age to Begin Social Security (ORP's Choice) Age
Social Security Disability Insurance Check

Pension and Other Income, Indexed to Inflation $000
Pension and Other Income, not Indexed to Inflation $000
Pension Beginning Age (Retirement Age) Age
Pension Survivors Benefit %

Earned Income - Part time and Otherwise $000
Earned Income Ending Age Age

Annuity Annual Distribution $000
Annuity Funding from the IRA $000
Age to Begin Annuity (Immediate Annuity) Age

Tontine Dividend $000
Tontine Funding from the IRA $000

Affordable Care Act - PTC $000
ACA Taxable Income Limit $000

Retirement Plans
Retiree Spouse
Retirement Age (65) Age
Planning Horizon (92) Age
Spending Upper Limit (Maximize spending) $000
Retirement Spending Plan
IRA to Roth IRA Conversions

Glide Path (Introduction)
Tax-deferred RothAfter-tax
At Retirement. % Invested in Stocks (100%)
Plan End % Invested in Stocks (100%)

Stock Investments Rate of Return (6%)
Fixed Income % Yield (3%)

Income Spending
Inflation Rate (2.5%) %

After-tax Account Estimated Aggregate Tax Rate (15%) %

Current Marginal Federal Income Tax (15%) %
Current Marginal State Income Tax (0) %

Retirement State Income Tax Deductions & Exemptions $000
Retirement State Income Tax Rate: %

Social Security Exemption From State Income Taxes. $000
Pension Income Exemption From State Income Taxes. $000

Extraordinary Non Recurring Events

Non-deterministic Plan Assessment
Monte Carlo Risk Assessment. Check

Historical year to Begin 3-PEAT Simulation. Year
Minimum 3-PEAT Essential Spending. $000

Scenario Description:

Retirement planning
assumes a stable economic environment and a rational tax policy going forward.

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© 1996-2017,
James S. Welch, Jr.