|Certified Wealth Management & Investment|
Princeton Forrestal Village
Kurtis Baker, CFP®, AIF®
Retirement Planning Advisor
116 Village Blvd.
Princeton, NJ 08540
|Simple Sustainable Withdrawal Projector
|Simple Sustainable Withdrawal Projector|
This calculator estimates the number of years that projected retirement savings will be able to provide the
desired level of retirement income. This result is compared to a scenario in which retirement distributions are
made based on an initial portfolio withdrawal percentage calculated to provide regular distributions over the
entire specified retirement withdrawal period, with no funds remaining at the end of the period.
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.
The initial portfolio withdrawal percentage is calculated to allow regular annual withdrawals, adjusted for inflation
at the specified rate, for the entire retirement distribution period, with no funds remaining at the end of the distribution
period. For withdrawals based on the initial portfolio withdrawal percentage, the withdrawal in the first year of retirement
is calculated by multiplying the investment portfolio balance by the initial portfolio withdrawal percentage. The withdrawal
amount for each subsequent year of retirement is determined by adjusting the first year withdrawal amount for inflation,
at the rate specified.
Certified Wealth Management & Investment, LLC does not provide investment, tax, or legal advice. 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.
This communication is strictly intended for individuals residing in the state(s) of NJ. No offers may be made or accepted from any resident outside the specific states referenced.
|Prepared by Broadridge Investor Communication Solutions, Inc. Copyright 2021.