Lifetime Portfolio Value
Net Worth Summary
Total Assets$0
Total Liabilities$0
Total Net Worth$0
Out of Estate$0
Asset Allocation
Equities 0%
Bonds 0%
Real Estate 0%
Cash 0%
Return: 0%
Risk: 0%
Cash Flow Overview
Insurance Strategy Impact
Death Benefit
+$0
Tax Savings (Lifetime)
$0
Policy Gain vs Index
+$0
Net Benefit to Estate
+$0
Risk Summary
You are projected to be able to fund your retirement until age 96/95.
Retirement Income Analysis
Social Security
Other Retirement Income
Withdrawals from Assets
Shortfall
Total Expenses
$0
Assets Remaining
The cumulative dollar value of all accounts remaining at the end of the analysis.
--/--
Age Assets Last Until
The age until which assets are available for withdrawals.
--
Years Fully Funded
The number of years in this analysis in which all annual expenses are fully covered.
--%
Average Percent Funded
The average of how much of your expenses will likely be covered each year.
Estate Transfer Goal
$0
Minimum Inheritance Goal
Projected Net Estate$0
With Insurance$0
Estate Tax Rate0%
Charitable Giving
$0
Planned Charitable Legacy
DAF Balance$0
Annual Giving$0
Tax Deduction Value$0
Income Taxes (Projected)
Retirement Projection
Retirement Summary
Success Rate
--%
Retirement Year--
Retirement Age--
Annual Spending$0
Social Security$0/yr
Policy Tax-Free Income$0/yr
Portfolio at Life Expectancy$0
Year-by-Year Retirement Cash Flow
Projections based on current inputs
| Year | Age | Portfolio Start | Growth | Social Security | Policy Income | Spending | Withdrawal | Portfolio End |
|---|---|---|---|---|---|---|---|---|
| Enter data in Import Data to see projections | ||||||||
Current Tax Situation
Federal Bracket
--%
State Tax Rate
--%
Effective Rate
--%
Tax-Advantaged Strategies
Policy Tax Benefits
Enter data to calculate
Estate Tax Planning
Enter data to calculate
Charitable Deductions
Enter data to calculate
Tax-Free Income Sources
Policy Loans$0/yr
Muni Bond Income$0/yr
Total Tax-Free$0/yr
Year-by-Year Tax Analysis
Policy vs Taxable Account Comparison
| Year | Age | Premium/Contribution | Policy Cash Value | Taxable Account | Policy Tax-Free Income | Taxable Income (After Tax) | Tax Savings | Cumulative Advantage |
|---|---|---|---|---|---|---|---|---|
| Enter data in Import Data or run IUL/VUL Analyzer to see projections | ||||||||
Insurance Coverage Analysis
Coverage Summary
Current Life Insurance
$0
Total with Proposed
$0
Proposed Death Benefit$0
Annual Premium$0
Policy Type--
Coverage Ratio--
Estate Tax Projection
Estate Summary
Gross Estate
$0
Total Taxes
$0
Net to Heirs
$0
Transfer Efficiency
100%
Full Estate Tax Calculator
Excel import • PDF export • 55-year projections • Gift tax planning
Life Capital Strategic Analyzer
IUL/VUL • Index-Only • Hedge Strategy • Monte Carlo • Historical Backtesting
What-If Scenarios
Base Case
Current assumptions
--% Success
Early Retirement
Retire 5 years early
--% Success
Major Healthcare
$200K expense at 75
--% Success
Extended Longevity
Live to age 100
--% Success
Retirement Age
--
Annual Spending
$0
Portfolio at 80
$0
Legacy Amount
$0
Historical Stress Test
Great Depression
1929-1939
--
Stagflation
1966-1982
--
Dot-Com
2000-2002
--
Financial Crisis
2007-2009
--
COVID
2020
--
2022 Inflation
2022-2023
--
Starting
$0
Lowest
$0
Recovery
-- years
Final
$0
Monte Carlo Simulation (1,000 Runs)
Simulation Results
Probability of Success
--%
Enter data to run simulation
90th Percentile
$0
50th Percentile (Median)
$0
10th Percentile
$0
Runs Out of Money
--%
Upload Client Data
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Client Information
* Has state estate/inheritance tax
Financial Summary
Retirement Planning
Insurance & Estate