30+ Year Spend-Down Table
The core of The Roadmap is its ability to generate a detailed, year-by-year spend-down table that projects a client's financial situation for over 30 years into the future. This table is an invaluable tool for visually representing a client's financial trajectory throughout their retirement years.
Tax-Qualified & Non-Tax-Qualified Assets
Roadmap meticulously accounts for both tax-qualified assets, such as 401(k)s and IRAs, and non-tax-qualified assets, like taxable brokerage accounts. This recognizes the importance of their tax implications during the accumulation and distribution phases of retirement.
Required Minimum Distributions (RMDs)
A crucial feature of Roadmap is its ability to calculate Required Minimum Distributions (RMDs), ensuring that advisors can help clients navigate the complex regulations surrounding withdrawals from tax-advantaged accounts in later retirement.
Social Security Income (SSI)
Roadmap integrates Social Security Income (SSI), a foundational component of retirement income for a significant portion of the population, into its projections.
Passive Income Streams
The application models passive income sources, such as rental income and annuities, recognizing the increasing importance of diversified income streams in achieving long-term financial security in retirement.
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