The further into the future we go, the wider the possibilities for your retirement result. You can envision that an apparently minor decimal change in inflation or rate of return, averaged over 40 years, can result in the same plan being valued at $1M or $2M. 

That's why you and your client set a distant target and re-evaluate the assumptions every year retirement gets closer. As it gets closer you will be able to more accurately predict the end value of the plan and, together, decide what changes need to happen to have the greatest chance of meeting the savings goals.

Our solution: run a clone and show two whole number rate of returns or COLAs for a range.

Target-Maps provide you a distinct difference from other investment policy presentations. There's also a teachable moment here between you and your client: "We can only realistically plan in broad strokes but can make informed decisions to get us closer to where we want to be."

12/2021

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