Retirement Gap Analysis Report with Contrib Analysis

Prepared for

Jane DoePrepared by

Arthur D. Advisor883 SW Church StreetDallas, OR 97338

503-831-1111

Retirement Needs AnalysisPrepared for Prepared by

Today's DateJane Doe Arthur D. Advisor

Currentcontributions:

Considercontributing:

3% 6.9%

1 Have you considered how to fund your potential retirement gap?Your current projections are estimated to provide you with only 12 years and 7 months of income in retirement.

Assumptions2

Employer ContributionThe employer matches 100% of the first 3% of the employee's contribution.

CURRENT VALUESAge 29Account balance $75,000Income per paycheck $6,000Paychecks per year 24Raises 2%

RETIREMENTIncome replacement ratio 80%Initial income needed $20,124Age 67Life Expectancy 19.4Inflation 2%Account balance $2,134,661

SOCIAL SECURITYInitial Benefit $4,051Inflation 2%Percent of est. value 50%RATE OF RETURNBefore retirement 6%During Retirement 4%

How will this affect your paycheck?3CURRENT PROPOSED

$6,000 $6,000Gross Pay3% / $180 6.9% / $414Pre-Tax Contribution

$180 $180Employer Contribution$1,757 $1,685Withholding Taxes$4,063 $3,901Net Pay

Change in Take Home Pay:

Tax Savings:

($162)

$72

Other possible solutions for solving the shortfall...4B. Retire a year later and save 5.6% to your 401(k) account (with an estimated take home pay of $3,955).

A. Wait a year before making any changes then increase your 401(k) contribution to 7.1% (having an estimated take home pay of $3,893).

C. Have an additional lump sum today of $109,029.

D. Have an additional lump sum of $949,848 at retirement.

This report is preliminary in nature, and as such should not be considered comprehensive or a review of your progress towards retirement. Values in this report are forillustrative purposes only, and may not reflect current values. Illustrated rates of return are compounded annually. Assumptions of Social Security, employer contributions andrates of return are estimates, not guaranteed and will most probably be different than actual values. Illustrated contribution values may exceed maximum allowed. Withholdingtaxes calculated using the 2018 withholding tables. Income taxes not taken into consideration.

COPYRIGHT 2018. RETIRE READY SOLUTIONS

Contribution Analysis Today's DatePrepared For Jane Doe

CLIENT INFORMATION

5/5/1988DATE OF BIRTH29 years and 11 monthsAGEOregonSTATE$144,000ANNUAL INCOME24PAY PER YEAR2%, First Check of YearANNUAL RAISES12.85%MAXIMUM CONTRIB.$75,000ACCOUNT BALANCE

EMPLOYER CONTRIBUTION

The employer matches 100% of the first 3% of the employee'scontribution.

TAX WITHHOLDING INFORMATION

FEDERAL Status: M; Allow.: 0STATE Status: M; Allowances: 0

RETIREMENT VALUES

TIME REMAINING 37 years and 1 monthRETIREMENT DATE 5/31/2055RETIREMENT AGE 67 yearsLIFE EXPECTANCY 86 years and 5 months

Estimated effects of various retirement plan contributions on Take Home PayCURRENT +1.00% +2.00% +3.00% +4.00% +5.00% AUTO-INC.1AMOUNT DEFERRED

$6,000 $6,000 $6,000 $6,000 $6,000 $6,000 $6,000GROSS INCOME 2

3.00% 4.00% 5.00% 6.00% 7.00% 8.00% 5.00%401(K) CONTRIBUTION

$180 $240 $300 $360 $420 $480 $300

$180 $180 $180 $180 $180 $180 $180EMPLOYER 401(K)

$1,757 $1,739 $1,720 $1,702 $1,682 $1,664 $1,720TOTAL TAXATION

N/A $18 $37 $56 $75 $93 $37TAX SAVINGS

$4,063 $4,021 $3,980 $3,938 $3,898 $3,856 $3,980NET PAY

N/A ($42) ($83) ($124) ($165) ($207) ($83)CHANGE IN PAY

Footnotes1) "Auto-Inc." is defined as immediately increasing the current contribution by 2%, then increasing the contribution annually with each

raise by 1% for 4 years.2) "Gross income" is the income per paycheck prior to any deductions.

Illustration provided to you by Arthur D. Advisor Copyright 2018. RetireReady Solutions®Page 3 of 3