Here’s what your retirement snapshot reveals — and what it means for you. These numbers aren’t about fear or luck; they’re about clarity. Your plan is a blueprint, not a guess. Below, you’ll see how your savings, income goals, and timeline line up to create the life you’ve been working for. Think of this as your roadmap: clear, measurable, and ready to be engineered into reality.
Let’s get real about where you stand. Based on what you’ve told me, you plan to retire around .
You’re aiming to live on {Desired Annual Income (Today’s $):4} a year in today’s dollars — not in hope, but in purchasing power. That income needs to rise with roughly {Inflation Rate (%):5}% inflation, grow at about {Expected Growth Rate (%):6}%, and be drawn down at a {Withdrawal Rate (%):7}% withdrawal rate.
Adjusted for inflation, your first-year net income comes to {Year 1 Net Income @ Retirement ($):12}. To cover taxes, you’ll need to withdraw about {Year 1 Gross Income @ Retirement ($):13} — your true cost of comfort. That gives you about {Years in Retirement:11} years of life to fund — years that deserve to be lived intentionally.
Right now, your effective tax bracket sits near {Effective Tax Rate (%):10}%. After factoring in inflation and taxes, your True Retirement Number lands around {Required Capital — Final (Conservative) ($):17}. You’ve built {Current Retirement Savings ($):8}, which places you about {Funded Ratio (%):18}% of the way there.
You’re close — close enough that precision matters more than pressure. The focus now is fine-tuning: tax efficiency, income design, and protection strategies that lock in what you’ve built and keep your momentum steady. This is the stage where good planning becomes great engineering — and that’s exactly where we work best.