Retirement Strategy Analyzer
American Dream Retirement
Secure Your Future
Discover strategies for retirement growth,
protection, and lifetime income.
01 | Your Retirement Profile
02 | Retirement Assets
Enter balances in each account category. Enter zero for accounts you do not have.
The amount being evaluated should not exceed the client's available assets.
03 | Growth and Retirement Timeline
04 | Other Retirement Income
Enter estimated monthly amounts expected when the requested retirement income begins.
05 | Risk, Liquidity and Legacy
Retirement Strategy Assessment
Strategies to investigate
Important considerations
Guaranteed Lifetime Income Calculator
For clients requesting income in 1–4 years. Adjust the payout assumptions to match an actual carrier illustration.
| Income period | Regular payments | With impairment scenario |
|---|
The 8% default is an illustrative payout factor, not an investment return. The income benefit base may differ from the premium or cash value. The impairment scenario assumes a qualifying event at the beginning of income, full eligibility for the selected period, and a return to regular payments afterward. Actual benefits may require qualifying impairment, waiting periods, age limits, and other conditions. Some products reduce future payments or cap enhanced benefits. Confirm all provisions using the carrier's approved illustration. Totals assume the insured survives and receives payments for the entire illustrated period.
CD vs. Fixed Indexed Annuity
Explore a hypothetical 10-year accumulation comparison using S&P 500 calendar-year price returns from 2015–2024.
| Year | S&P 500 | FIA credit | CD balance | FIA balance |
|---|
Historical, hypothetical illustration only. Uses rounded S&P 500 calendar-year price returns, not an actual carrier index-crediting history. Assumes annual point-to-point crediting, 0% index-credit floor, fixed cap and participation rate, and a simplified annual fee deduction. The CD yield is assumed constant for ten years. Actual renewal rates, index dates, spreads, rider fees, surrender charges, taxes, and withdrawal restrictions may differ. FIAs do not directly invest in the S&P 500 and generally exclude dividends from index crediting. Historical performance does not predict future results.
American Dream Retirement provides retirement education and connects consumers with appropriately licensed professionals. It is not an insurance company or licensed insurance agency. This tool is educational and does not establish suitability or a best-interest recommendation. Annuity guarantees are subject to the issuing insurer's claims-paying ability.