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Don, your Stoplight Analysis is Ready.

Yellow Light

Don, your projected withdrawal rate suggests your plan may work, but it appears sensitive and could benefit from adjustment.

You Currently Have...

$3,600,000

Saved in Retirement

4.67%

Estimated Withdrawal Rate

$14,000/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 Yellow Light Deserves Attention

A Yellow Light in retirement means your strategy is functional, but sensitive.

Market downturns, inflation, or higher healthcare costs can quickly shift a Yellow plan toward Red. Proactive refinement helps reduce that sensitivity.

Key Areas to Focus on

  1. Formal Withdrawal Strategy
    Knowing which accounts to draw from and in what order can reduce inefficiencies and improve long-term sustainability.
  2. Risk Calibration
    Your investment risk should reflect your income needs and current stage of retirement.
  3. Income Coordination
    Withdrawals, taxes, and other income sources should work together rather than independently.

Questions Worth Talking About

  1. Do I know exactly where distributions are coming from?
  2. How are taxes impacting my withdrawals?
  3. Could adjustments reduce long-term risk?

Seek to Reduce Sensitivity Now

Market shifts and spending changes can impact long-term sustainability. A focused review helps ensure your plan remains durable.

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