Advisor Tool

Required Return Analyzer

Retirement Income Strategy Stress Test

Compare retirement income side-by-side and calculate the portfolio return required to match the illustrated guaranteed income.

Inputs

Current Age

Brokerage / Investable Assets ($)

Income Start Age

Income End Age (Longevity Target)

Guaranteed Income Input

Guaranteed Annual Income ($)

Income Duration Note

Assumptions

Equities Return (%)

Fixed Income Return (%)

Allocation (Equity %)

Account Expenses (%)

Blended Earnings (Gross): 5.30% Net After Expenses: 4.30%

Brokerage withdrawals are modeled at the beginning of each year. Returns compound annually. No inflation is assumed.

Educational/internal planning tool only. Not investment, tax, or legal advice. Guarantees are based on the claims-paying ability of the issuing insurer.

Report

Guaranteed Annual Income

Income ages — to —

Brokerage Sustainable Income

Sustainable to the same end age

Required TOTAL Portfolio Return to Match Guaranteed Income: —

Return gap vs assumed blended return: —

—

Option	Result
Option 1: Same income as illustrated strategy	—
Option 2: Same longevity (to end age)	—
Option 3: Required return (income + longevity)	—

Disclosure: This report is for educational and informational purposes only and should not be construed as financial, tax, or legal advice. Product features, rates, and benefits may vary by carrier and individual circumstances. Guarantees are based on the claims-paying ability of the issuing insurance company. Past performance does not guarantee future results.