Financial Protection & Retirement Analysis
Financial Protection & Retirement Analysis
Complete the information below to estimate emergency-fund needs, family protection needs, savings goals, retirement accumulation, retirement-income needs and potential financial gaps.
1. Client Information
2. Household Income & Expenses
3. Savings Analysis
Compare current monthly savings with 10%, 15% and 20% savings benchmarks.
Savings Benchmarks
4. Emergency Fund
5. Family Protection Analysis
Estimate protection needs using Debt, Income, Mortgage and Education.
6. Retirement Accumulation
7. Retirement Income Goal
Financial Protection & Retirement Analysis
Personalized financial snapshot based on the information provided.
Financial Snapshot
Savings Analysis
Compare current monthly savings with three savings benchmarks based on gross household income.
| Gross Household Income | |
| Gross Monthly Household Income | |
| Current Monthly Savings | |
| Current Savings Rate | |
| Current Savings Category |
Emergency Fund Analysis
Compare current emergency savings with the selected number of months of essential household expenses.
| Essential Monthly Expenses | |
| Selected Emergency Reserve | |
| Emergency Fund Target | |
| Current Emergency Savings |
Potential Funding Schedule
| Time to Fund | Approximate Monthly Amount |
|---|---|
| 12 Months | |
| 24 Months | |
| 36 Months |
Family Protection Analysis
Estimated family protection need using Debt, Income Replacement, Mortgage and Education.
| Debt | |
| Income Replacement | |
| Mortgage | |
| Education | |
| Estimated Family Protection Need | |
| Existing Life Insurance |
Retirement Projection
Project retirement accumulation using current assets, contributions, employer contributions and the selected hypothetical annual return.
| Current Retirement Assets | |
| Current Monthly Contribution | |
| Employer Contribution / Year | |
| Years Until Retirement | |
| Assumed Annual Growth Rate | |
| Projected Retirement Assets |
Retirement Income Goal
| Desired Retirement Income | |
| Estimated Social Security | |
| Pension Income | |
| Other Retirement Income | |
| Income Needed From Retirement Assets |
What Is Needed to Reach the Retirement Goal?
This section converts the retirement-income need into an estimated retirement asset goal and calculates the monthly contribution required to pursue that goal.
| Monthly Income Needed From Retirement Assets | |
| Annual Income Needed From Retirement Assets | |
| Retirement Income Planning Rate | |
| Estimated Retirement Asset Goal | |
| Projected Assets With Current Contributions | |
| Estimated Retirement Asset Gap |
| Current Monthly Personal Contribution | |
| Estimated Additional Monthly Contribution Needed |
Contribution Strategy
Financial Action Plan
Areas identified by the analysis for additional review, planning and potential action.
This financial analysis is intended for educational and informational purposes only. Calculations are based on information provided by the client and assumptions selected during the analysis. Savings benchmarks are general educational illustrations and are not individualized financial recommendations. Life insurance needs, emergency-fund targets, retirement projections, retirement-asset goals and retirement-income estimates are approximations. Hypothetical rates of return are not guaranteed. Actual investment, market or index performance can vary. An indexed annuity does not invest directly in the S&P 500 or another market index. Roth IRA eligibility and contribution limits can depend on income, filing status, age and current tax rules. Non-qualified annuities are funded with after-tax dollars and may include surrender charges, withdrawal limitations, taxation of gains and product-specific provisions. Insurance and annuity products are subject to availability, eligibility, suitability, contract provisions and applicable regulations. This analysis does not provide legal, tax or individualized investment advice.