Free Tool

Retirement Income Checkup

Adjust the sliders below to see how your retirement strategy holds up under optimistic, moderate, and stress scenarios — including a long-term care event.

Retirement Resilience
How well could your plan handle the unexpected?
32NEEDS ATTENTION
Your Profile
58
65
$500K
$5,000
$2,000
Social Security, pensions, or other income you’ll receive no matter what markets do.
Planning Factors
Portfolio Projection
Three scenarios, age 65–95
Optimistic Moderate Stress + LTC
Optimistic — Markets return 7%/yr. No major shocks. Your portfolio grows and sustains withdrawals comfortably.
Moderate — Markets return 4%/yr with a care event at 80 costing $90K. A realistic middle ground.
Stress + LTC — Flat markets, plus a 3-year care event at 80 costing $180K. The scenario most people never plan for.
Income Gap
$3,000/mo
of monthly expenses depend on your portfolio
Stress Scenario
Age 76
portfolio runs out under stress
LTC Exposure
Unprotected
a care event could accelerate depletion
Legacy at Age 90
$0K
estimated inheritance (moderate scenario, pre-tax)
Want to see your real numbers?

This checkup uses simplified assumptions. Mark uses advanced AI-enhanced simulation software to run precise, year-by-year calculations against your actual portfolio data — including annuity contracts, income riders, and fees. Get your personalized action plan today.

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Model Assumptions
Optimistic gross return: 8% pre-retire · 7% in retirement
Moderate gross return: 5.5% pre-retire · 4% in retirement
Stress gross return: 2% pre-retire · −1% in retirement
Tax drag on gains: 20% effective rate on portfolio growth
Inflation: 2.5% annual compounding applied to expenses
LTC event (moderate): $90,000 at age 80 if unprotected
LTC event (stress): $180,000 at age 80 if unprotected
Withdrawal method: Fixed annual draw from portfolio for non-guaranteed expenses
Guaranteed income: Treated as fully reliable, not drawn from portfolio
Important Disclosures

For Educational Purposes Only. This Retirement Income Checkup is a simplified, hypothetical illustration tool designed for general educational purposes only. It does not constitute investment advice, financial planning, tax advice, or a recommendation to buy or sell any security or insurance product. The projections shown are hypothetical, based on the assumptions listed above, and do not represent actual investment results or predict future performance.

No Guarantee of Results. All projections involve assumptions about future market returns, tax rates, and expenses that may not reflect actual conditions. Past performance does not guarantee future results. Actual investment returns, tax obligations, and expenses will vary significantly from the simplified models presented here. The tool does not account for all factors that may affect your financial situation, including but not limited to: inflation, changes in tax law, Social Security benefit adjustments, healthcare cost increases, or changes in personal circumstances.

Consult a Qualified Professional. Before making any financial decisions, you should consult with a qualified financial advisor, tax professional, and/or attorney who can evaluate your specific circumstances. Insurance products, including annuities and long-term care policies, involve risks, limitations, and costs that are not fully represented in this simplified tool.

Not FDIC Insured. Investments are subject to market risk, including possible loss of principal. Insurance product guarantees are backed by the financial strength and claims-paying ability of the issuing company. This tool is not affiliated with or endorsed by FINRA, the SEC, or any regulatory body.

Mark McCanney · Licensed Insurance Producer · OH License #579496 · Columbus, Ohio