MBR Financial, Inc.
2000 West Loop South
Ste. 1510
Houston, TX 77027
832-667-8787
281-974-2108
contactus@mbrfinancial.com
 
 




Saving for Retirement Multi-Scenario Calculator
Saving for Retirement Multi-Scenario Calculator

This calculator demonstrates the effects of making different assumptions in three different retirement planning scenarios. Any inputs you enter into Scenario 1 will be automatically copied over (to improve data entry speed) to the same input in Scenario 2 and Scenario 3. The value will be copied over as soon as you click out of the field in Scenario 1. You can then change the value in Scenario 2 and Scenario 3 as desired. Changes made in Scenario 2 or 3 will not be copied over to any other scenario.


*Years in retirement must extend beyond the year Social Security benefits start.

*Or current age (up to age 70) if benefits have already started

*Enter the Social Security income that corresponds to the age entered for Social Security. You can obtain an estimate of your future Social Security benefit by going to www.ssa.gov/OACT/quickcalc/index.html

Assumptions:

Household income is your total gross household income, including your spouse's income. Your retirement savings are your total retirement savings, including taxable, tax-deferred, and tax-exempt holdings. Your retirement age is the first year that you do not make retirement savings contributions from household income and the first year you begin taking distributions from your portfolio.

The expected rate of return inputs are after-tax returns. Actual rates of return will be based on investments you hold in your retirement portfolio, net of taxes and expenses.

The modeled Social Security income is based on your input for your Social Security income at the age entered for Social Security benefits. Subsequent years are inflation adjusted based on your input for inflation. Actual Social Security benefit payments in future periods are based on official government cost-of-living adjustments.

All contributions, income, and expenses are treated as occurring at the end of each year.

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. When making an investment decision, you should consider your personal investment time 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.



IMPORTANT DISCLOSURES Broadridge Investor Communication Solutions, Inc. does not provide investment, tax, legal, or retirement advice or recommendations. The information presented here is not specific to any individual's personal circumstances. To the extent that this material concerns tax matters, it is not intended or written to be used, and cannot be used, by a taxpayer for the purpose of avoiding penalties that may be imposed by law. Each taxpayer should seek independent advice from a tax professional based on his or her individual circumstances. These materials are provided for general information and educational purposes based upon publicly available information from sources believed to be reliable — we cannot assure the accuracy or completeness of these materials. The information in these materials may change at any time and without notice.

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