Retire Plan 5

IRA Invest total

Date

Feb-07 Feb-08 Feb-09 Feb-10 Feb-11 Feb-12 Feb-13 Feb-14 Feb-15 Feb-16 Feb-17 Feb-18 Feb-19 Feb-20 Feb-21 Feb-22 Feb-23 Feb-24 Feb-25 Feb-26 Feb-27 Feb-28 Feb-29 Feb-30 Feb-31 Feb-32 Feb-33 Feb-34 Feb-35 Feb-36 Feb-37 Feb-38 Feb-39 Feb-40 Feb-41 Feb-42 Feb-43 Feb-44 Feb-45 Feb-46 Feb-47 Feb-48 Feb-49 Feb-50 Feb-51 Feb-52 Feb-53 Feb-54 Feb-55 Feb-56 Feb-57 Feb-58 Feb-59 Feb-60 Feb-61 Feb-62 Feb-63 Feb-64 Feb-65 Feb-66 Feb-67 Feb-68 Feb-69 Feb-70 Feb-71 Feb-72 Feb-73 Feb-74 Feb-75 Feb-76 Feb-77 Feb-78 Feb-79 Feb-80 Feb-81 Feb-82 Feb-83 Feb-84 Feb-85 Feb-86 Feb-87 Feb-88 Feb-89 Feb-90 Feb-91 Feb-92 Feb-93 Feb-94 Feb-95 Feb-96 Feb-97 Feb-98 Feb-99 Feb-00 Feb-01 Feb-02 Feb-03 Feb-04 Feb-05 Feb-06 Feb-07 Feb-08 Feb-09 Feb-10 Feb-11 Feb-12 Feb-13 Feb-14 Feb-15 Feb-16 Feb-17

$900,719 $959,266 $1,021,618 $1,088,023 $1,158,745 $1,234,063 $1,314,277 $1,399,705 $1,490,686 $1,587,581 $1,690,773 $1,800,673 $1,917,717 $2,042,369 $2,175,123 $2,316,506 $2,467,079 $2,537,399 $2,606,580 $2,674,188 $2,739,743 $2,802,711 $2,862,498 $2,918,447 $2,970,484 $3,017,236 $3,058,626 $3,093,874 $3,122,134 $3,142,491 $3,153,962 $3,155,489 $3,147,387 $3,128,748 $3,098,628 $3,056,052 $3,000,025 $2,931,866 $2,850,968 $2,756,775 $2,648,801 $2,529,896 $2,400,165 $2,259,859 $2,109,400 $1,949,413 $1,785,167 $1,617,843 $1,448,792 $1,279,547 $1,116,651 $961,345 $810,200 $669,959 $541,722 $430,522 $331,882 $246,396 $177,447 $120,732 $78,275 $46,089 $24,827 $13,374 $7,204 $3,881 $2,091 $1,126 $607 $327 $176 $95 $51 $28 $15 $8 $4 $2 $1 $1 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

NonIRA

Annual Annual Total IRA + IRA IRA non IRA non IRA IRA w/d period return return Do not enter any values in Columns A through F

$900,719 $907,639 $913,656 $918,681 $922,621 $925,373 $926,831 $926,880 $925,396 $922,250 $917,302 $924,403 $930,169 $934,474 $937,185 $938,158 $937,240 $994,146 $1,055,931 $1,123,041 $1,195,957 $1,275,203 $1,361,343 $1,454,988 $1,556,364 $1,666,567 $1,785,833 $1,914,871 $2,054,437 $2,205,335 $2,368,419 $2,544,594 $2,733,851 $2,937,008 $3,154,909 $3,388,421 $3,638,428 $3,904,277 $4,186,614 $4,486,058 $4,803,186 $5,136,367 $5,485,823 $5,851,692 $6,234,015 $6,632,713 $7,044,635 $7,469,403 $7,906,549 $8,355,512 $8,812,432 $9,277,037 $9,752,197 $10,234,021 $10,722,443 $11,214,820 $11,714,900 $12,223,067 $12,737,888 $13,263,108 $13,798,275 $14,346,993 $14,909,798 $15,488,457 $16,087,044 $16,708,269 $17,354,130 $18,026,270 $18,726,165 $19,455,234 $20,214,894 $21,006,591 $21,831,824 $22,692,153 $23,589,211 $24,524,705 $25,500,429 $26,518,262 $27,580,178 $28,688,248 $29,844,646 $31,051,656 $32,311,676 $33,627,225 $35,000,948 $36,435,624 $37,934,171 $39,499,658 $41,135,306 $42,844,503 $44,630,807 $46,497,959 $48,449,890 $50,490,733 $52,624,832 $54,856,754 $57,191,302 $59,633,526 $62,188,734 $64,862,511 $67,660,730 $70,589,567 $73,655,520 $76,865,424 $80,226,467 $83,746,215 $87,432,627 $91,294,075 $95,339,373 $99,577,792 ###

$1,801,438 $1,866,905 $1,935,274 $2,006,704 $2,081,365 $2,159,436 $2,241,109 $2,326,585 $2,416,082 $2,509,831 $2,608,075 $2,725,076 $2,847,886 $2,976,843 $3,112,308 $3,254,664 $3,404,319 $90,039 $3,531,545 $95,751 $3,662,510 $101,820 $3,797,228 $108,267 $3,935,701 $115,115 $4,077,915 $122,389 $4,223,842 $130,114 $4,373,435 $137,663 $4,526,847 $146,329 $4,683,803 $154,730 $4,844,459 $163,563 $5,008,745 $172,842 $5,176,571 $182,581 $5,347,827 $192,791 $5,522,382 $203,481 $5,700,083 $213,209 $5,881,238 $223,219 $6,065,756 $233,489 $6,253,537 $243,986 $6,444,473 $254,671 $6,638,453 $263,160 $6,836,143 $271,469 $7,037,582 $279,507 $7,242,832 $287,164 $7,451,987 $291,077 $7,666,263 $294,174 $7,885,988 $296,317 $8,111,552 $297,350 $8,343,415 $297,099 $8,582,125 $290,957 $8,829,802 $283,360 $9,087,246 $274,211 $9,355,341 $263,417 $9,635,060 $246,067 $9,929,083 $227,888 $10,238,382 $213,632 $10,562,397 $192,905 $10,903,980 $171,784 $11,264,165 $146,411 $11,645,342 $126,624 $12,046,782 $107,059 $12,469,463 $84,964 $12,915,336 $68,249 $13,383,840 $50,305 $13,876,550 $37,274 $14,393,082 $24,257 $14,934,626 $13,067 $15,501,831 $7,039 $16,094,249 $3,792 $16,712,150 $2,043 $17,356,221 $1,100 $18,027,396 $593 $18,726,772 $319 $19,455,561 $172 $20,215,070 $93 $21,006,686 $50 $21,831,875 $27 $22,692,181 $14 $23,589,226 $8 $24,524,713 $4 $25,500,433 $2 $26,518,265 $1 $27,580,179 $1 $28,688,248 $0 $29,844,646 $0 $31,051,656 $0 $32,311,676 $0 $33,627,225 $0 $35,000,948 $0 $36,435,624 $0 $37,934,171 $0 $39,499,658 $0 $41,135,306 $0 $42,844,503 $0 $44,630,807 $0 $46,497,959 $0 $48,449,890 $0 $50,490,733 $0 $52,624,832 $0 $54,856,754 $0 $57,191,302 $0 $59,633,526 $0 $62,188,734 $0 $64,862,511 $0 $67,660,730 $0 $70,589,567 $0 $73,655,520 $0 $76,865,424 $0 $80,226,467 $0 $83,746,215 $0 $87,432,627 $0 $91,294,075 $0 $95,339,373 $0 $99,577,792 $0 ### $0

27.4 26.5 25.6 24.7 23.8 22.9 22 21.2 20.3 19.5 18.7 17.9 17.1 16.3 15.5 14.8 14.1 13.4 12.7 12 11.4 10.8 10.2 9.6 9.1 8.6 8.1 7.6 7.1 6.7 6.3 5.9 5.5 5.2 4.9 4.5 4.2 3.9 3.7 3.4 3.1 2.9 2.6 2.4 2.1 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9

$58,547 $62,352 $66,405 $70,722 $75,318 $80,214 $85,428 $90,981 $96,895 ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### $94,172 $83,171 $72,582 $62,487 $52,663 $43,547 $35,212 $27,984 $21,572 $16,016 $11,534 $7,848 $5,088 $2,996 $1,614 $869 $468 $252 $136 $73 $39 $21 $11 $6 $3 $2 $1 $1 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $0

$58,547 $58,997 $59,388 $59,714 $59,970 $60,149 $60,244 $60,247 $60,151 $59,946 $59,625 $60,086 $60,461 $60,741 $60,917 $60,980 $60,921 $64,619 $68,636 $72,998 $77,737 $82,888 $88,487 $94,574 $101,164 $108,327 $116,079 $124,467 $133,538 $143,347 $153,947 $165,399 $177,700 $190,906 $205,069 $220,247 $236,498 $253,778 $272,130 $291,594 $312,207 $333,864 $356,578 $380,360 $405,211 $431,126 $457,901 $485,511 $513,926 $543,108 $572,808 $603,007 $633,893 $665,211 $696,959 $728,963 $761,469 $794,499 $827,963 $862,102 $896,888 $932,555 $969,137 ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ### ###

SS

$0 $0 $0 $0 $0 $0 $0 $0 $0 $0 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000 $14,000

Taxes

$8,782 $8,849 $8,908 $8,957 $8,996 $9,022 $9,037 $9,037 $9,023 $8,992 $8,944 $9,013 $9,069 $9,111 $9,138 $9,147 $39,301 $41,769 $44,405 $47,219 $50,224 $53,434 $56,861 $60,303 $64,195 $68,084 $72,205 $76,572 $81,195 $86,087 $91,258 $96,235 $101,433 $106,855 $112,496 $118,352 $123,633 $129,009 $134,454 $139,939 $144,342 $148,628 $152,753 $156,666 $160,310 $162,140 $163,611 $164,687 $165,333 $163,899 $162,264 $162,018 $159,707 $157,329 $153,592 $151,764 $150,085 $147,638 $147,058 $146,168 $147,020 $148,009 $149,748 $153,371 $158,119 $163,590 $169,571 $175,955 $182,687 $189,746 $197,126 $204,831 $212,869 $221,253 $229,997 $239,117 $248,630 $258,553 $268,907 $279,711 $290,985 $302,754 $315,039 $327,865 $341,259 $355,247 $369,858 $385,122 $401,069 $417,734 $435,150 $453,355 $472,386 $492,285 $513,092 $534,853 $557,615 $581,427 $606,340 $632,409 $659,692 $688,248 $718,141 $749,438 $782,208 $816,526 $852,468 $890,117 $929,559 $970,883 ###

Expenses

$42,845 $44,130 $45,454 $46,818 $48,222 $49,669 $51,159 $52,694 $54,274 $55,903 $57,580 $59,307 $61,086 $62,919 $64,807 $66,751 $68,753 $70,816 $72,940 $75,129 $77,382 $79,704 $82,095 $84,558 $87,095 $89,707 $92,399 $95,171 $98,026 $100,967 $103,996 $107,115 $110,329 $113,639 $117,048 $120,559 $124,176 $127,901 $131,738 $135,691 $139,761 $143,954 $148,273 $152,721 $157,303 $162,022 $166,882 $171,889 $177,045 $182,357 $187,827 $193,462 $199,266 $205,244 $211,401 $217,744 $224,276 $231,004 $237,934 $245,072 $252,424 $259,997 $267,797 $275,831 $284,106 $292,629 $301,408 $310,450 $319,764 $329,357 $339,237 $349,414 $359,897 $370,694 $381,815 $393,269 $405,067 $417,219 $429,736 $442,628 $455,907 $469,584 $483,671 $498,181 $513,127 $528,521 $544,376 $560,708 $577,529 $594,855 $612,700 $631,081 $650,014 $669,514 $689,600 $710,288 $731,596 $753,544 $776,150 $799,435 $823,418 $848,120 $873,564 $899,771 $926,764 $954,567 $983,204 ### ### ### ###

Inputs Enter Values IRA Total $1,000,000 Non-IRA Total $1,000,000 Mo. IRA Savings $0 Mo Non IRA Sav $0 70.5 Date* Feb-23 Annual Exp# $45,000 Tax rate 33.50% Invest return 6.50% Inflation 3.00% Pension $0 SS $14,000 Pension/SS $14,000 Pen/SS Date* Jan-17 Div./Cap. Gains % 50.00% IRA Withdrawl% 50.00% Enter Date*: Jan-52 Assetts $8,343,415 Today 10/18/2008 Notes: *Enter Date as 1/1/xxxx #Expenses exclusive of income taxes

Income

Fed Tax $25,000 $50,000 $75,000 $87,500 $100,000 $150,000 $200,000

Cap Gains/Div

Insert personal Data in Cells I2 through I15 only! Do not change any other cells!

0.54%

No guarantees, implied or otherwise are provided. This tool is provided for informal planning purposes only. Use at your own risk.

State Tax 13.00% 20.21% 23.51% 24.58% 25.38% 27.25% 28.19%

$0.00 172.08

Tax

1.50% 2.54% 3.53% 3.94% 4.24% 4.95% 5.31%

14.50% 22.75% 27.04% 28.52% 29.63% 32.21% 33.50%

15%

$105,000,000 $100,000,000 $95,000,000 $90,000,000 $85,000,000 $80,000,000 $75,000,000 $70,000,000 $65,000,000 $60,000,000 $55,000,000 $50,000,000 $45,000,000

Column D

$40,000,000 $35,000,000 $30,000,000 $25,000,000 $20,000,000 $15,000,000 $10,000,000 $5,000,000 $0 FFF FFFFFF FFFFFF FFFFFF FFFFFF FFFFFFF FFFFFF FFFFFF FF eee eeeeee eeeeee eeeeee eeeeee eeeeeee eeeeee eeeeee ee bbb bbbbbb bbbbbb bbbbbb bbbbbb bbbbbbb bbbbbb bbbbbb bb

No guarantees, implied or otherwise are provided. This tool is provided for informal planning purposes only. Use at your own risk.

Feb-18 Feb-19 Feb-20 Feb-21 Feb-22

$0 $0 $0 $0 $0

### ### ### ### ###

### ### ### ### ###

$0 $0 $0 $0 $0

1.9 1.9 1.9 1.9 1.9

$0 $0 $0 $0 $0

### ### ### ### ###

$14,000 $14,000 $14,000 $14,000 $14,000

### ### ### ### ###

### ### ### ### ###

No guarantees, implied or otherwise are provided. This tool is provided for informal planning purposes only. Use at your own risk.

Required minimum IRA distributions To calculate the year's minimum distribution amount, take the age of the retiree and find the corresponding distribution period. Then divide the value of the IRA by the distribution period to find the required minimum distribution. Age of retiree

Distribution period (in years)

70

27.4

71

26.5

72

25.6

73

24.7

74

23.8

75

22.9

76

22

77

21.2

78

20.3

79

19.5

80

18.7

81

17.9

82

17.1

83

16.3

84

15.5

85

14.8

86

14.1

87

13.4

88

12.7

89

12

90

11.4

91

10.8

92

10.2

93

9.6

94

9.1

95

8.6

96

8.1

97

7.6

98

7.1

99

6.7

100

6.3

101

5.9

102

5.5

103

5.2

104

4.9

105

4.5

106

4.2

Age of retiree

Distribution period (in years)

Age of retiree

Distribution period (in years)

107

3.9

108

3.7

109

3.4

110

3.1

111

2.9

112

2.6

113

2.4

114

2.1

115 or older

1.9