Important Disclosures & Limitations
The IRA Risk Gauge is provided for general educational and informational purposes only. All results are hypothetical illustrations based solely on the information entered by the user and the fixed assumptions programmed into the tool. Results are not predictions of actual performance and should not be relied upon as a promise, guarantee, financial plan, investment recommendation, insurance recommendation, annuity quote, tax calculation, legal opinion, or individualized advice.
The current illustration assumes a constant 4.00% annual IRA growth rate and a constant 22.00% tax rate for purposes of estimating the gross IRA withdrawal needed to produce the selected income amount. Actual investment returns may be higher or lower, may be negative, and will not occur at a constant rate. Actual federal and state income-tax treatment depends on individual circumstances and applicable law.
The tool does not model all factors that may materially affect retirement outcomes, including inflation, investment fees and expenses, changing tax rates, required minimum distributions, early-withdrawal penalties, sequence-of-returns risk, market volatility, other income or assets, Social Security, pensions, changes in spending, longevity, product charges, surrender charges, caps, participation rates, spreads, bonuses, riders, eligibility requirements, or contract-specific insurance provisions.
For this illustration, illustrative lifetime income is shown on a gross, before-tax basis and is calculated by applying a simplified age-based rate to the current IRA balance: 5% if under age 60, 6% at ages 60–69, and 7% at age 70+. If “Me + Spouse” is selected, the prototype reduces that rate by 0.50 percentage point (for example, 6.0% becomes 5.5%) solely as a simplified educational joint-life adjustment. This assumption does not model spouse age, carrier, product, rider, sex, state, interest-rate environment, underwriting, or actual contract factors. Any lifetime-income concept presented by this tool is an illustrative educational reference only and is not an actual annuity or insurance-company quote. Any guarantees associated with an actual insurance or annuity contract are subject to the terms, conditions, exclusions, limitations, availability, and claims-paying ability of the issuing insurance company. Product availability and terms vary by carrier, state, age, and other factors.
The IRA Distribution Blueprint™ is an educational illustration and should not be interpreted as a promise that any particular strategy will eliminate depletion risk or produce any stated result. Before making financial, investment, insurance, tax, or legal decisions, consult appropriately licensed and qualified professionals and review actual product illustrations and contracts. Use of this tool or submission of contact information does not by itself create an advisory, fiduciary, legal, tax, or client relationship.
