Assumed Rates of Return on Assets

Two Rates are requested here, one for “During retirement” and one “In the event of death”.

Assumptions at Death

The Emergency fund is calculated using salary only times the “Months emergency fund”. Other Income is NOT included in the calculation.

Inflation Assumptions

Inflation rates can be specified for each of the categories listed below. This allows college costs, for example, to grow faster than the general inflation rate. “Social security annual increase rate” is COLA.

Other Assumptions

In Life Goals, we only illustrate one person’s death at a time, so only one Life Expectancy age is requested. The age entered here will be used for both clients in a married case.