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Test, your Stoplight Analysis is Ready.

Yellow Light

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

You Currently Have...

306500

Saved for Retirement
You're contributing...

$10,000/year

You plan to retire on

06/2050

You'll have...

$1,649,594

saved for retirement by 06/2050

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

$5,000/month

Your withdrawl rate is...

3.64%

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 suggests your plan may work, but it has limited margin for error.

Your outcome likely depends on:

  • Favorable market performance
  • Stable spending
  • Few unexpected disruptions

The opportunity here is early correction. Small, strategic adjustments before retirement can meaningfully improve durability.

Key Areas to Focus on

  1. Income Planning Before Retirement
    Defining how your retirement paycheck will be built creates structure and reduces sensitivity to market changes.
  2. Investment Alignment
    Your portfolio should balance growth with future income needs. Misalignment can increase long-term pressure.
  3. Risk Appropriateness
    Too much risk can magnify downturns. Too little can limit growth. The right balance improves sustainability.

Questions Worth Talking About

  1. How sensitive is my plan to market changes?
  2. What small adjustments would move me closer to Green?
  3. Do I have a written income plan?

Small Changes Can Make a Big Difference

You are not far off. Strategic refinement before retirement can meaningfully improve long-term durability.

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