Retirement Cash Flow Projection
Calculate Projection
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Projected Retirement Fund at Age 65
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Annual Need (Yr 1)
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PLI Solution Matrix
Permanent Life Insurance addresses retirement planning both inside and outside qualified plans. Toggle to see which benefits apply in each scenario.
In the Plan
Out of the Plan
Protection
Asset Building
Liabilities
Cash Flow
Premature Death Benefit
Rate of Return
Tax Advantaged Accumulation
Form of Savings
Disability
Minimal Risk
Alternate Credit Source
Systematic
Lawsuit Protection
Builds Net Worth
Tax Advantaged Distributions
Flexible Funding Options
Increasing Death Benefit
Liquidity
Income Tax Free At Death
Flexible Distribution Options
Cost of Living Factors
Six factors that erode retirement purchasing power over time — every plan must account for these.
Inflation
All Forms of Taxes
New Goods & Services
Product Wear & Tear
Improved Standard of Living
Unexpected Life Events
Retirement Plan Design Center (Decision Tree)
Answer each question in sequence. Based on your business profile, we will recommend the optimal qualified plan type.
1. Are the owners older than age 50?
-- Select --
Yes
No
2. Does the owner earn more than ,000?
-- Select --
Yes
No
3. Do you conduct business with no employees?
-- Select --
Yes
No
4. Are there 1–5 employees?
-- Select --
Yes
No
5. Are employees younger than the owners?
-- Select --
Yes
No
6. Is there predictable Cash Flow?
-- Select --
Yes
No
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Defined Benefit Plan Analysis
✅
Tax Deductible
Contributions are fully tax deductible to the employer
📈
Tax-Deferred Growth
Not included in gross income until distribution
🎯
Predetermined Benefit
Defines the retirement benefit, then back-calculates contributions
Business & Owner Inputs
Calculate Defined Benefit
Reset
Total Annual Employer Contribution
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Owner Contribution
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Employee Contributions
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Net After-Tax Outlay
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Allocation Table by Participant
Participant
Age
Compensation
Annuity Deposits
Insurance Premium
Total Contribution
% of Total
Defined Contribution Plan Analysis
✅
Tax Deductible
Contributions are fully tax deductible to the employer
💰
Accumulates Value
Defines contributions up front; benefit depends on investment growth
🔄
Flexibility Advantage
Profit Sharing & 401(k) allow flexible annual contributions
Business & Owner Inputs
Calculate Defined Contribution
Reset
Total Annual Employer Contribution
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Owner Contribution
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Employee Contributions
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Net After-Tax Outlay
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Allocation Table by Participant
Key Difference vs. Defined Benefit: In a Defined Contribution plan, the contribution is defined up front (as a % of compensation). The eventual benefit depends on investment performance. This provides flexibility — contributions can vary year to year in a Profit Sharing plan.
Participant
Age
Compensation
Employer Contribution
Employee Deferral (401k)
Total
% of Total