Lord and Richards Portfolio Calculator

Calculator Controls

Total Assets ($)

Risk | Protected: 0

100% Risk (0)Protected Mix (100)

Horizon (Years)

Household Type

Allocation Breakdown

Category	Allocation % 100.0% ✓	$ Amount $1,000,000 ✓
Reserve
Risk
Buffered
Protected

100.0%

Portfolio Summary

Of Total Assets

Total Liquid100.00%

$1,000,000

Of Growth Assets

Total Protected0.00%

Of Growth Assets

Potential Return8.24%

$82,400

Of Growth Assets

Potential Downside58.20%

$582,000

Financial Plan Details

Monthly Income ▼

Primary SalaryGeneral Inflation

Salary EndsYrs from now

Spouse SalaryGeneral Inflation

Spouse Salary EndsYrs from now

Primary Social SecurityGeneral Inflation

SS StartsYrs from now

SS EndsYrs from now

Spouse Social SecurityGeneral Inflation

Spouse SS StartsYrs from now

Spouse SS EndsYrs from now

PensionNo Inflation

Pen. StartsYrs from now

Pen. EndsYrs from now

Misc Income 1No Inflation

Misc 1 StartsYrs from now

Misc 1 EndsYrs from now

Misc Income 2General Inflation

Misc 2 StartsYrs from now

Misc 2 EndsYrs from now

Monthly Expenses ▼

Living ExpensesGeneral Inflation

MortgageNo Inflation

Mortgage EndsYrs from now

Primary LTC (Today's $)LTC Inflation

LTC StartsYrs from now

LTC EndsYrs from now

Spouse LTC (Today's $)LTC Inflation

Spouse LTC StartsYrs from now

Spouse LTC EndsYrs from now

Taxes ▼

Tax Calculation Method

Filing Status

* Taxes are estimated automatically based on Salary, Pension, Misc Income, Standard Deductions, and 85% of Social Security. Withdrawals used to fund a shortfall are Grossed-Up by the calculated effective tax rate.

Assumptions ▼

General Inflation (%)

LTC Inflation (%)

Surplus Reinvested (%)

* Adjust baseline inflation rates. Unspent surplus cash flow is spent by default. Reinvested surplus is divided equally among the 4 market buckets.