w a smith financial group logo

Nate, your Stoplight Analysis is Ready.

Red Light

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

You Currently Have...

$950,000

Saved for Retirement
You're contributing...

$19,000/year

You plan to retire on

09/2027

You'll have...

$1,067,589

saved for retirement by 09/2027

We use a conservative 5.5% growth rate for all calculations.
And plan to withdrawl

$8,000/month

Your withdrawl rate is...

8.99%

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 before retirement is a signal that your current path likely carries more risk than you realize.

If you retire on this trajectory:

  • Your portfolio may be asked to do too much, too soon
  • Market volatility could magnify early losses
  • Small miscalculations could have long-term consequences

The advantage you still have is time. Adjustments are more powerful before retirement than after it begins.

Key Areas to Focus on

  1. Income Expectations and Withdrawal Structure
    Your projected income need is the primary driver of risk. Adjusting how much you plan to withdraw, or how that income is structured, can materially improve long-term sustainability.
  2. Retirement Timing and Expectations
    Even modest changes to your retirement date can reduce pressure on your portfolio and increase flexibility.
  3. Investment Risk and Allocation
    A portfolio built for growth may not support elevated withdrawal levels. Your investment strategy should reflect your income needs and timeline before retirement begins.

Questions Worth Talking About

  1. Is my target retirement date realistic?
  2. Could adjusting income improve sustainability?
  3. Is my portfolio structured for distribution?

Do Not Leave Your Retirement to Chance

Retiring on a Red Light without changes increases long-term risk. A focused review can help you understand what needs to shift and what is realistic.

Thank you! Our team will reach out to you shortly.
Oops! Something went wrong while submitting the form.