PLANNER
The Retirement Planner helps you to determine just how much you'll need to maintain your desired retirement lifestyle and
whether you are on track to achieve it.
ABOUT YOU
Employer-Sponsored Plan
YOU
$200
5%
$1,125
Your Retirement
kennan cole
$22,500
90%
62
KEY ASSUMPTIONS
Salary Growth Rate
2%
Inflation Rate
3%
Life Expectancy
85
Pre-Retirement
Investment Style
Moderate
6% Rate of Return
Post-Retirement
Investment Style
Moderately Conservative
4% Rate of Return
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RETIREMENT PLANNER
Goal
$1,687
$2,147
PROJECTED
These hypothetical results are based on your inputs and assumptions. These results are not guaranteed nor do they reflect the actual
performance of any investment. See the Methodologies and Assumptions "About the Charts" section for additional important
information.
Calculated Assets
$760,100
RETIREMENT BALANCE
$691,000
$621,900
$552,800
$483,700
$414,600
$345,500
$276,400
$207,300
$138,200
$69,100
$0
19
24
29
34
39
44
49
54
59
64
69
74
79
84
AGE
These hypothetical results are based on your inputs and assumptions. These results are not guaranteed nor do they reflect the actual
performance of any investment. See the Methodologies and Assumptions "About the Charts" section for additional important
information.
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RETIREMENT PLANNER
INCOME
$96,000
$84,000
$72,000
$60,000
$48,000
$36,000
$24,000
$12,000
$0
62
67
72
77
82
AGE
SHORTFALL
WITHDRAWALS
INVESTMENTS
SOCIAL SECURITY
These hypothetical results are based on your inputs and assumptions. These results are not guaranteed nor do they reflect the actual
performance of any investment. See the Methodologies and Assumptions "About the Charts" section for additional important
information.
Beginning
Balance
Retirement
Contributions
Retirement
Income
Goal
Investment
Income
Social
Security
Pension &
Other
Income
19
$200
$2,250
$0
$86
$0
$0
$0
$0
$2,536
20
$2,536
$2,295
$0
$228
$0
$0
$0
$0
$5,059
21
$5,059
$2,340
$0
$381
$0
$0
$0
$0
$7,781
22
$7,781
$2,387
$0
$545
$0
$0
$0
$0
$10,715
23
$10,715
$2,435
$0
$723
$0
$0
$0
$0
$13,874
24
$13,874
$2,484
$0
$914
$0
$0
$0
$0
$17,273
25
$17,273
$2,533
$0
$1,120
$0
$0
$0
$0
$20,927
26
$20,927
$2,584
$0
$1,341
$0
$0
$0
$0
$24,853
27
$24,853
$2,636
$0
$1,578
$0
$0
$0
$0
$29,067
28
$29,067
$2,688
$0
$1,833
$0
$0
$0
$0
$33,589
29
$33,589
$2,742
$0
$2,106
$0
$0
$0
$0
$38,438
30
$38,438
$2,797
$0
$2,398
$0
$0
$0
$0
$43,635
31
$43,635
$2,853
$0
$2,712
$0
$0
$0
$0
$49,201
32
$49,201
$2,910
$0
$3,048
$0
$0
$0
$0
$55,160
33
$55,160
$2,968
$0
$3,407
$0
$0
$0
$0
$61,537
34
$61,537
$3,028
$0
$3,792
$0
$0
$0
$0
$68,357
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Shortfall Withdrawal
Ending
Balance
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RETIREMENT PLANNER
35
$68,357
$3,088
$0
$4,203
$0
$0
$0
$0
$75,650
36
$75,650
$3,150
$0
$4,643
$0
$0
$0
$0
$83,444
37
$83,444
$3,213
$0
$5,113
$0
$0
$0
$0
$91,770
38
$91,770
$3,277
$0
$5,614
$0
$0
$0
$0
$100,663
39
$100,663
$3,343
$0
$6,150
$0
$0
$0
$0
$110,157
40
$110,157
$3,410
$0
$6,722
$0
$0
$0
$0
$120,289
41
$120,289
$3,478
$0
$7,332
$0
$0
$0
$0
$131,100
42
$131,100
$3,548
$0
$7,983
$0
$0
$0
$0
$142,632
43
$142,632
$3,618
$0
$8,677
$0
$0
$0
$0
$154,928
44
$154,928
$3,691
$0
$9,417
$0
$0
$0
$0
$168,038
45
$168,038
$3,765
$0
$10,206
$0
$0
$0
$0
$182,010
46
$182,010
$3,840
$0
$11,047
$0
$0
$0
$0
$196,898
47
$196,898
$3,917
$0
$11,943
$0
$0
$0
$0
$212,759
48
$212,759
$3,995
$0
$12,897
$0
$0
$0
$0
$229,652
49
$229,652
$4,075
$0
$13,914
$0
$0
$0
$0
$247,642
50
$247,642
$4,157
$0
$14,996
$0
$0
$0
$0
$266,795
51
$266,795
$4,240
$0
$16,148
$0
$0
$0
$0
$287,184
52
$287,184
$4,325
$0
$17,374
$0
$0
$0
$0
$308,883
53
$308,883
$4,411
$0
$18,679
$0
$0
$0
$0
$331,973
54
$331,973
$4,499
$0
$20,067
$0
$0
$0
$0
$356,541
55
$356,541
$4,589
$0
$21,544
$0
$0
$0
$0
$382,675
56
$382,675
$4,681
$0
$23,115
$0
$0
$0
$0
$410,472
57
$410,472
$4,775
$0
$24,786
$0
$0
$0
$0
$440,033
58
$440,033
$4,870
$0
$26,563
$0
$0
$0
$0
$471,467
59
$471,467
$4,968
$0
$28,452
$0
$0
$0
$0
$504,888
60
$504,888
$5,067
$0
$30,461
$0
$0
$0
$0
$540,416
61
$540,416
$5,168
$0
$32,596
$0
$0
$0
$0
$578,181
62
$578,181
$0
$47,449
$23,127
$32,465
$0
$0
$14,983
$586,325
63
$586,325
$0
$48,873
$23,453
$33,439
$0
$0
$15,433
$594,344
64
$594,344
$0
$50,339
$23,773
$34,442
$0
$0
$15,896
$602,221
65
$602,221
$0
$51,849
$24,088
$35,476
$0
$0
$16,373
$609,937
66
$609,937
$0
$53,404
$24,397
$36,540
$0
$0
$16,864
$617,470
67
$617,470
$0
$55,007
$24,698
$37,636
$0
$0
$17,370
$624,798
68
$624,798
$0
$56,657
$24,991
$38,765
$0
$0
$17,891
$631,898
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RETIREMENT PLANNER
69
$631,898
$0
$58,357
$25,275
$39,928
$0
$0
$18,428
$638,746
70
$638,746
$0
$60,107
$25,549
$41,126
$0
$0
$18,981
$645,314
71
$645,314
$0
$61,910
$25,812
$42,360
$0
$0
$19,550
$651,576
72
$651,576
$0
$63,768
$26,063
$43,631
$0
$0
$20,137
$657,502
73
$657,502
$0
$65,681
$26,300
$44,940
$0
$0
$20,741
$663,061
74
$663,061
$0
$67,651
$26,522
$46,288
$0
$0
$21,363
$668,220
75
$668,220
$0
$69,681
$26,728
$47,676
$0
$0
$22,004
$672,944
76
$672,944
$0
$71,771
$26,917
$49,107
$0
$0
$22,664
$677,198
77
$677,198
$0
$73,924
$27,087
$50,580
$0
$0
$23,344
$680,941
78
$680,941
$0
$76,142
$27,237
$52,097
$0
$0
$24,044
$684,134
79
$684,134
$0
$78,426
$27,365
$53,660
$0
$0
$24,766
$686,733
80
$686,733
$0
$80,779
$27,469
$55,270
$0
$0
$25,509
$688,693
81
$688,693
$0
$83,203
$27,547
$56,928
$0
$0
$26,274
$689,966
82
$689,966
$0
$85,699
$27,598
$58,636
$0
$0
$27,062
$690,502
83
$690,502
$0
$88,270
$27,620
$60,395
$0
$0
$27,874
$690,248
84
$690,248
$0
$90,918
$27,609
$62,207
$0
$0
$28,710
$689,147
85
$689,147
$0
$93,645
$27,565
$64,073
$0
$0
$29,572
$687,141
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RETIREMENT PLANNER
INVESTMENT RETURNS
The investment returns used in this tool are hypothetical and for illustrative purposes only. There is no guarantee that future
performance will match the returns shown here. Investment fees and other costs of investing will reduce your returns.
Retirement Savings page. The calculation closely follows the U.S. Social Security Administration's "ANYPIA" calculator
(Current Dollars method). If you include a spouse in the analysis and enter a Current Gross Annual Salary for
him/her, the calculation will appropriately determine the maximum applicable benefit (i.e., spousal or individual
benefit).
A more reliable estimate of benefits would require your complete pay history. When you prepare to retire, be sure
you know what your Social Security benefits will be. The U.S. Social Security Administration has a website that you
can visit for complete information about Social Security or to download a Social Security income calculator. It's web
address is www.ssa.gov/planners/benefitcalculators.htm.
2. You may elect to enter your own dollar estimate (e.g., an annual benefit estimate from the U.S. Social Security
ASSUMPTIONS
The first year analyzed is next year. The data you input is treated as year-end data from the current year. Earned income is assumed
to be your gross (pre-tax) income.
Retirement income projections are also gross (pre-tax) amounts.
Investment income on contributions to your (and your spouse's) retirement savings are compounded monthly.
Your retirement income is projected as if you would choose to meet 100% of your goal every year until your assets are used up.
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RETIREMENT PLANNER
Rate of Return is not adjusted for taxes.
In each year of retirement, any surplus or deficit in income is applied to your net retirement savings and is grown at the PostRetirement Rate of Return.
Social Security payments are assumed to increase annually at the specified rate of inflation, as are retirement expenses. Pension
benefits are only assumed to increase if specified in the assumptions. No annual increases are assumed for other sources of postretirement income.
CALCULATED ASSETS
This chart shows the growth and depletion of your retirement assets over time. The graph begins in the current year and ends at
your assumed life expectancy. During the pre-retirement period, your assets grow based on your current contributions and the PreRetirement Rate of Return value you enter on the Investment Returns page. Typically, the value of your assets will trend down
during the retirement period as withdrawals required to cover income needs may exceed asset growth based on the PostRetirement Rate of Return value you enter on the Investment Returns page. If you have a shortfall, your retirement savings will drop
to $0 prior to your life expectancy. A more positive outlook will show assets remaining at the end of your assumed retirement
lifetime.
Note: If your spouse is included in the analysis, the start and end of the retirement period is determined by your assumed
retirement age and life expectancy. However, the charts will reflect "household" totals for income sources, withdrawals, shortfall (if
any), and retirement assets, so incorporate any relevant data entered for your spouse.
This educational tool performs a general analysis of your potential retirement financial situation based on limited information you
provide. These results should not be the sole basis for your financial decisions and are not intended to serve as investment advice.
This tool provides a hypothetical illustration for informational purposes only. The methodology does not consider federal, state/local
income or other taxes retirement account savings or withdrawals may be subject to, including the IRS 10% tax penalty that may
apply to premature withdrawals. The tool does not take into account minimum withdrawals you may be required to take from certain
retirement savings plans. The tool also does not evaluate any proposed contribution amounts you enter for compliance with IRS or
employer maximum contribution limits.
This illustration is not intended to reflect the actual performance of any investment vehicle and does not include any investment fees
or expenses. Rate of Return values for this hypothetical analysis are neither guaranteed nor projected and are not intended to
represent the future performance of any actual financial product. All investments involve risk, including possible loss of principal.
Lincoln Financial Group affiliates, their distributors, and their respective employees, representatives, and/or insurance agents do not
provide tax, accounting, or legal advice. Any tax statements contained herein were not intended or written to be used, and cannot be
used, for the purpose of avoiding U.S. federal, state, or local tax penalties. Please consult your own independent advisor as to any tax,
accounting, or legal statements made herein.
Securities and investment advisory services offered through Lincoln Financial Advisors Corp., a broker-dealer and registered
investment advisor. Lincoln Financial Distributors, Inc., a broker-dealer, is the wholesale distribution organization of Lincoln Financial
Group. Lincoln Financial Group is the marketing name for Lincoln National Corporation and its affiliates.
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