What your statement isn’t telling you, James

Age 60–64 · estimated $750k in portfolio assets (from your survey answers)

All figures assume ≈$750k — the midpoint of the range you selected, not an exact balance. Your advisor runs your real numbers on the call.

▸ Pick the time for your call with Rich — takes 30 seconds

1 The mirage on your statement · 0:52

0:52

Why the number on your statement is a mirage

2 Watch it happen

Play age 73 → 90

AGE 73

Illustration: $750k, ~6%/yr growth, an assumed 28% blended rate, today’s IRS schedule. The required percentage rises every year.

3 Taxed twice, explained · 1:26

1:26

How one withdrawal taxes your Social Security too

4 Interactive

If you’re married, there’s one more surprise

The same income: $75,000 · illustrative

To the IRS

$8,536

Left to live on

$66,464

+$3,017 a year — every year after.

Two of you, wider brackets — this is the version on your statement today.

The survivor files single starting the year after — at the worst possible moment. And the forced-withdrawal schedule doesn’t pause.

How exposed would your spouse be — and what softens it in advance? Rich checks your numbers on your call.

5 Your turn

Where do tax rates go from here?

If your blended rate ends up at 24%

nobody knows this number — drag it

18%24%28% — used above32%

The IRS’s slice

$180k

of your $750k — before you spend a dollar of it.

Actually yours

$570k

what the statement’s $750k really means at that rate.

Rates are set by Congress — not by you. The one thing you do control is when you pay.

6 Your meeting with Rich

How much of your $750k do you actually keep?

📅 You pick the time 📞 Rich calls you

⏱ 30 minutes

1Getting to know youWhere you are today, what you want the money to do, and what fits your goals.

2Whether this even fitsAn honest look at whether repositioning any of it makes sense for your goals. If it doesn’t, Rich will tell you.

3A general estimateA broad look at how withdrawal order and timing could change what you keep — a starting point, not a final number.

4The next step, if it makes senseIf it makes sense, Rich walks you through what happens next — no pressure, no second sales call.

Have handy

Rough 401(k) / IRA balances — ballpark is fine
Last year’s tax return (if easy)

That’s it. Rich brings everything else.

Nothing to buy on the call. Just your numbers, finally run.

One statement left to read, James. Rich brings the math — a focused 30 minutes. Book my call with Rich

Prepared by The Annuity Institute

Hypothetical, for illustration only. Tax figures use an assumed blended rate for illustration; your situation differs. RMD animation assumes an illustrative 28% blended rate, ~6% annual growth, and the current IRS Uniform Lifetime Table. The filing-status illustration compares today’s joint vs. single brackets on the same illustrative income. RMD ages and tax rates are set by law and can change; Social Security taxation thresholds and filing-status brackets are also set by law and can change; nothing here predicts future rates. Any guarantee is subject to the claims-paying ability of the issuing company. Not tax or investment advice — consult a qualified tax professional.