Smedley Financial Services, Inc.®
Private Wealth Management Team Advisors
102 S. 200 E. Suite 100
PO Box 4133
Salt Lake City, UT 84110-4133
801-355-8888
800-748-4788
sharla@smedleyfinancial.com
www.SmedleyFinancial.com
 
 




Retirement Sustainable Withdrawal Rate Accumulation Projection
Retirement Sustainable Withdrawal Rate Accumulation Projection

This calculator compares:

(1) Desired annual income in retirement (adjusted for inflation), to

(2) The amount of annual income that might be generated based on projected retirement resources and a given intial portfolio withdrawal percentage.

$

Enter a number that represents total anticipated income shortfall in retirement after factoring in Social Security retirement income, pension income, and all other known sources of income.

$

Enter total value of current retirement savings, including 401(k) plans and IRAs.

$

Enter amount, if any, of estimated future periodic contributions to retirement savings.

Enter number of years until retirement. If you enter 30, for example, retirement takes place in year 31.

Select withdrawal percentage for comparison purposes. For example, if you enter 4%, the calculator will compare desired income to retirement savings withdrawals based on portfolio withdrawals equal to 4% of portfolio value in first year of retirement.



This calculator assumes that all taxes due on retirement investment portfolio prior to retirement are paid with outside funds. The calculator assumes that all distributions made in retirement are fully taxable at the specified tax rate.

This is a hypothetical example and is not intended to reflect the actual performance of any specific investment, nor is it an estimate or guarantee of future value. Investment fees and expenses have not been deducted. If they had been, the results would have been lower. When making an investment decision, investors should consider their personal investment horizons and income tax brackets, both current and anticipated, as these may further impact the results of this comparison.

This illustration assumes a fixed annual rate of return; the rate of return on your actual investment portfolio will be different and will vary over time, according to actual market performance. This is particularly true for long-term investments. It is important to note that investments offering the potential for higher rates of return also involve a higher degree of risk to principal.



Securities offered through Securities America, Inc., Member FINRA/SIPC. Roger M. Smedley,CFP®, Sharla J. Jessop, CFP®, James R. Derrick, CFA,  Mikal B. Aune, CFP®, Jordan R. Hadfield, Leah Nelson, and Shane P. Thomas, Registered Representatives and Registered Investment Advisor Representatives of Smedley Financial Services, Inc.® Smedley Financial Services, Inc.® and Securities America, Inc. are separate entities. Securities America and its representatives do not provide tax or legal advice. Please consult the appropriate professionals regarding your personal situation.


Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2018.