Retirement Calculators & Tools
Explore Your Retirement Possibilities
Welcome to our Retirement Planning Tools! These simple calculators paired with real-life style illustrations to help you see what might be possible for your future. These examples are designed to educate and inspire thoughtful planning, not to predict or promise specific results. All calculations are for illustration only and should not be considered financial advice or guarantees of performance. For personalized guidance, we invite you to schedule a one-on-one conversation with our team.
Mark and Linda are 66 years old and recently retired. They’ve done a great job saving- about $750,000 in retirement accounts- and like many retirees, they’ve heard the common rule of thumb: “Just withdraw 4% per year and your money should last.” That sounded reasonable to them, so they used our calculator to see what that approach might look like. That approach would provide about $30,000 per year, but it depended on markets cooperating. A downturn early in retirement could mean cutting income or risking running out of money later.
Using this calculator, they compared that traditional withdrawal strategy to a structured, guaranteed income plan designed for lifetime paychecks. The illustration showed the potential for a much higher rate per year of guaranteed income—not based on market performance, but on contractual guarantees built for retirement.
The difference was simple:
One path relied on historical averages and hope
The other created predictable income they could count on
Mark said it best: “Prior to visiting with our ProBull agent, it felt like we were crossing our fingers every year.”
Use this tool to see how your income might look under both approaches, then let’s review the results together and design a plan built for confidence, not guesswork.
Retirement Income Calculators
These tools help you visualize two ways retirees often think about income: a safe withdrawal rate approach versus an income-focused strategy that aims to create predictable lifetime income. (Education only—results are not guarantees.)
1) Safe Withdrawal Rate (SWR)
Enter your savings and desired annual income. We’ll calculate your withdrawal rate and show how much you’d need saved using a common educational reference target (4%).
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2) Guaranteed Income (Illustration)
A properly structured retirement plan can include income strategies designed to create stability—so your core lifestyle isn’t dependent on market performance to pay you each year.
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Bob and Sue were both nearing 63 and had very different thoughts about when to start Social Security. Bob wanted to start at 62 to enjoy retirement sooner; Sue was considering delaying until age 70 to maximize lifetime income.
Using the Social Security benefit estimator, they entered their birth years, earnings history, and possible claiming ages. The calculator showed how much their monthly benefit would change at 62, full retirement age, and age 70. Suddenly, it wasn’t just talk. They could see the trade-offs: lower income early vs. higher income later.
This simple projection helped them craft a plan: Sue would delay her benefit until 70 to maximize lifetime household income, and Bob would use other savings to bridge the gap. Without the tool, they might have chosen a default age based on guesswork.
Lesson for users:
The age you claim Social Security has a permanent effect on your monthly benefit. Seeing the numbers side by side helps retirees decide what’s best for their lifestyle and finances.
During our ProBull "Retirement Clarity Web Events", we introduce a simple exercise called the $2 Game. It’s not a real investment- just a hand--on way to help retirees see one powerful truth: big losses hurt far more than big gains help.
Tom, age 64, played the game with us online. The rules were simple: flip a coin. Heads you gain $2, tails you lose $2. After several rounds Tom noticed something surprising—once his balance dropped, it took multiple wins just to get back to even. The math was clear: a 20% loss requires a 25% gain to recover, and a 40% loss needs a 67% gain.
Tom said, “I’ve lived this in real life. After 2008 I spent years just getting back to where I started.”
The game helped him understand why protecting against major downturns in retirement is just as important as chasing returns. When income is being withdrawn, losses become even more damaging because there’s less money left to recover.
This calculator lets you play with the same concept- illustrating how reducing market losses can dramatically improve the odds that your retirement income lasts. It’s a simple game with a serious lesson: retirement success isn’t about hitting home runs- it’s about avoiding strikeouts.
$2 Strategy Simulator
Each roll represents a “year.” Even roll = +$2. Odd roll = flat ($0). For comparison, a “traditional” path is shown where odd years decline by –$1.
| Year | Roll | Outcome | Protected | Would have lost | Traditional |
|---|---|---|---|---|---|
| Click Run This Strategy to simulate the first “year.” | |||||
Summary
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FAQS
What should I expect for my appointment?
We want to learn about you. Feel free to share your current financial situation, future goals, concerns, questions, and plans. Don't worry, there's nothing to buy and we won't try to push you into anything!
How are financial plans customized to me?
As a non-captive agency we don't try to squeeze you into something that we offer. We will create a custom plan that actually meets your needs and goals. We take into consideration your desires, income needs, risk aversion, and market timing.
Will I be supported even after my initial appointment?
YES! After your custom plan is developed we will help you implement it every step of the way. Let us take on the rollover paperwork, the policy applications, or account initiation. Plan on constant open communication.
