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Jacob, your Stoplight Analysis is Ready.

Green Light

Jacob, your withdrawal rate appears manageable...

You Currently Have...

$3,400,000

Saved in Retirement

1.06%

Estimated Withdrawal Rate

$3,000/month

Monthly Withdrawal Need

This analysis is intended as a high-level starting point based on the information you provided. It estimates retirement income sustainability using simplified assumptions and does not represent a complete financial plan and may not reflect your complete financial situation. For pre-retirement projections, a long-term annual growth rate of 5.5% is assumed. This is a planning assumption only and is not a guarantee of future performance. Actual results may differ due to market conditions, investment strategy, taxes, inflation, timing of contributions and withdrawals, and changes in spending. This analysis does not fully account for all relevant factors, including asset allocation, tax efficiency, healthcare costs, or future life events. A more detailed review is required to evaluate long-term outcomes and planning opportunities. This tool does not provide individualized investment, legal, or tax advice.

This analysis is intended as a high-level snapshot based on the information you provided. It focuses on current withdrawal pressure and does not represent a complete financial plan, and may not reflect your complete financial situation. Results are based on simplified assumptions and do not fully account for factors such as investment strategy, tax planning, healthcare costs, inflation, or changes in spending over time. Actual results may differ due to market conditions, investment strategy, taxes, inflation, timing of contributions and withdrawals, and changes in spending. This analysis does not fully account for all relevant factors, including asset allocation, tax efficiency, healthcare costs, or future life events. A more detailed review is required to evaluate long-term outcomes and planning opportunities. This tool does not provide individualized investment, legal, or tax advice.

Why Your Green Light Deserves Attention

A Green Light today reflects manageable withdrawals under current conditions.

Green plans require stewardship. Without active oversight, even strong positioning can slowly erode.

Strong plans stay strong through intention, not assumption.

Key Areas to Focus on

  1. Ongoing Income Oversight
    Even manageable withdrawal rates require monitoring to ensure they remain aligned with your lifestyle and market conditions.
  2. Adaptive Investment Strategy
    Your portfolio should evolve over time, reflecting both income needs and long-term objectives.
  3. Tax and Legacy Planning
    Distribution strategies, estate coordination, and gifting plans should remain aligned with your goals and values.

Questions Worth Talking About

  1. Is my income plan clearly structured?
  2. Are distributions optimized for taxes?
  3. Is my advisor proactively refining strategy?

Start Opimizing Your Retirement

Ongoing refinement ensures your income and investment strategy remain aligned.

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