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Betty, your Stoplight Analysis is Ready.

Red Light

Betty, your projected withdrawal rate is high enough that continuing on your current path could create meaningful risk in retirement.

You Currently Have...

$500,000

Saved in Retirement

8.4%

Estimated Withdrawal Rate

$3,500/month

Monthly Withdrawal Need
Print Results

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 Red Light Deserves Attention

A Red Light in retirement means your withdrawal level may be placing ongoing strain on your portfolio.

Left unaddressed:

  • Down markets can accelerate depletion
  • Spending flexibility may shrink over time
  • The risk of outliving assets increases

This is about stabilization. The sooner adjustments are made, the more options you preserve.

Key Areas to Focus on

  1. Structured Income Planning
    Withdrawals should be intentional and coordinated. A written income strategy can help reduce portfolio strain and extend longevity.
  2. Risk and Volatility Management
    Excessive risk during retirement can magnify losses at the wrong time. Risk should align with your distribution needs.
  3. Contingency Planning
    Healthcare costs, market downturns, and unexpected expenses require preparation. Planning for these scenarios can help stabilize outcomes.

Questions Worth Talking About

  1. How long could my current strategy realistically last?
  2. What adjustments would reduce pressure?
  3. Is my withdrawal strategy coordinated?

Stabilize While You Can

Adjustments made now can protect flexibility later. A structured review helps clarify where pressure exists and how to reduce it.

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