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Retirement Analysis: Brandon M

Projected Retirement Income Using the Free Group


Funding Retirement Years: 30 years

Annual Funding Amount: $3600

Age to start receiving Retirement Income: 63

Retirement Income Amount: $25,306 tax free per year

Comparison to Projected 401k/IRA Savings


Funding Retirement Years: 30 years

Annual Funding Amount: $3600

Age to start receiving Retirement Income: 63

Retirement Income Amount: $13,602 before taxes

Notable Differences:

  • Taxes Saved: $46,701
  • Total cash flow increase : $630,824 (measuring income to age 100)
  • Death benefit: $188,870 is available at age 100
  • Total Net Economic Analysis: $866,395 surplus with properly structured Non-qualified plan over qualified plans (401k, IRA, etc)

Economic Assumptions: The values used are based on what we believe are reasonable forward-looking assumptions, as well as your risk tolerance and preferences. These assumptions are hypothetical and are not intended to predict future market conditions or your individual experience. Assumptions used are a 7% return with no market loss. Assuming a 25% tax rate during retirement saving contributions and distributions. Traditional account distribution is calculated at 4% annually of the total retirement account value at the time of the initial distribution.

Retirement Analysis: Lindsay V

Projected Retirement Income Using the Free Group


Funding Retirement Years: 36 years

Annual Funding Amount: $4,800

Age to start receiving Retirement Income: 66

Retirement Income Amount: $72,110 tax free per year

Comparison to Projected 401k/IRA Savings


Funding Retirement Years: 36 years

Annual Funding Amount: $4,800

Age to start receiving Retirement Income: 66

Retirement Income Amount: $26,541 before taxes

Notable Differences:

  • Taxes Saved: $131,715
  • Total cash flow increase : $1,766,591 (measuring income to age 100)
  • Death benefit: $697,565 is available at age 100
  • Total Net Economic Analysis: $2,595,871 surplus with properly structured Non-qualified plan over qualified plans (401k, IRA, etc)

Economic Assumptions: The values used are based on what we believe are reasonable forward-looking assumptions, as well as your risk tolerance and preferences. These assumptions are hypothetical and are not intended to predict future market conditions or your individual experience. Assumptions used are a 7% return with no market loss. Assuming a 25% tax rate during retirement saving contributions and distributions. Traditional account distribution is calculated at 4% annually of the total retirement account value at the time of the initial distribution.

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