Model different withdrawal strategies and see how various approaches might affect portfolio longevity and legacy goals

The Retirement Income Planner allows you to model different withdrawal strategies and see how each approach may impact the longevity of your portfolio and your ability to leave a legacy. By comparing scenarios side by side, it helps you understand how income decisions today can influence long-term stability, flexibility, and confidence throughout retirement.

⚠️ Educational Tool Disclaimer

This tool provides educational estimates only and is not financial advice or investment recommendations. Results are based on assumptions you provide and simplified calculations. Actual outcomes will vary significantly based on market performance, tax changes, inflation, and individual circumstances. Consult with qualified financial professionals before making retirement planning decisions.

Your Assumptions

years
$

Combined retirement savings across all accounts

$

Total yearly spending needed

$

Social Security, pensions, rental income

%

Annual increase in expenses

%

Average annual growth rate

years

Years to model (typically to age 95-100)

Withdrawal Strategies

What We'll Compare

This tool models three common withdrawal approaches to help you understand trade-offs between stability, longevity, and flexibility.

Strategy 1: Fixed Percentage (4% Rule)

Withdraw a fixed percentage of the initial portfolio annually, adjusted for inflation. Classic approach with predictable income.

Strategy 2: Dynamic Withdrawal

Adjust withdrawals based on portfolio performance. Withdraw more in good years, less in down markets to preserve capital.

Strategy 3: Required Need

Withdraw exactly what you need (expenses minus other income), adjusted annually for inflation. Most flexible approach.

Remember: Real retirement income planning involves tax strategy, account sequencing, RMDs, and market volatility considerations beyond these simplified projections.

Year-by-Year Projection

Ready for a Personalized Income Plan?

These projections provide a starting framework. A comprehensive retirement income strategy should account for taxes, required distributions, Social Security optimization, and market volatility.

Schedule a Consultation

Long Financial Services | Educational Tool

This tool is provided for educational purposes only and does not constitute financial advice. Actual investment returns vary and include periods of loss. Market volatility, sequence of returns risk, and tax implications significantly impact outcomes. Consult with qualified financial professionals before making retirement planning decisions.

4760 Preston Rd, Frisco, TX 75034 | 888-553-6428 | info@longfsg.com