INFORMATION AND DISCLOSURE:
or other information generated by Otar Retirement Calculator (referred to as “ORC”
throughout this document) regarding the likelihood of various investment
outcomes are hypothetical in nature, do not reflect actual investment results,
and are not guarantees of future results. ORC uses the actual historical market
and economic data. It does not use any
While ORC runs a snapshot of historic
outcomes based on your current financial data, it cannot foresee or account for
all possible situations that could impact your financial situation, -negatively
or positively. Financial and retirement objectives do change over time. It is
critical that you and/or your advisor review your retirement, investment, and
income plans at least once a year.
your retirement asset values based on actual market history. It does not require
an assumed average portfolio growth rate or average inflation. It is not a
calculates the value of portfolio assets as if you were to retire in each one of
the years starting with year 1900, or for some foreign markets, since the
earliest available year. Each line on the asset chart represents the asset value
of the portfolio as if you retired in that year, i.e. in 1900, 1901, 1902,…,
1999. This asset line is calculated using historical market fluctuations,
inflation and interest rates for
each year. Each line representing a particular year of retirement is then
plotted on the same chart to give a “bird’s eye” view of all outcomes.
The results are
not a "forecast" of your future financial picture. Rather, it presents
an “aftcast" of potential outcomes based on actual market history.
Observing the history, you might have a more realistic “picture” of your
retirement planning compared to other calculators that are assumption-based
generated by ORC regarding the likelihood of various investment outcomes is
hypothetical in nature. It does not reflect actual investment results, and is
not a guarantee of future results.
performance is no guarantee of future results. The data and information provided
does not reflect all taxes applicable to your specific situation.
how a mix of asset classes (stocks, bonds, cash or inflation indexed bonds), or
income classes (investment portfolio, immediate life annuity, variable annuity
with or without guaranteed income/withdrawals), would have fared under
historical market conditions, given your stated financial goals and your cash
flow. It does not provide a prediction of your ability to meet your goals;
rather, it merely reports the hypothetical outcomes that would have occurred in
ORC should not
be used as the primary basis for any investment or tax-planning decisions.
Results will vary in the future. ORC is not intended to predict the future value
of actual investments or actual holdings in your portfolio. It is also not
intended to predict the current and future value of actual lifetime income.
ORC displays a
40-year time horizon of historical outcomes. If the time horizon between the
current age and age of death is over 40 years, the program calculates and
displays the asset value required at the 40th year that can provide lifelong
sustainable withdrawals beyond the first 40 years.
ORC is an
educational program developed by Retirementoptimizer.com Inc. Its primary
objective is to help you identify a strategy for retirement income planning. It
is designed to be a retirement calculator. It is not designed to create a
comprehensive financial plan.
is provided for general and educational purposes only and is not intended to
provide legal, tax or investment advice, or for use to avoid penalties that may
be imposed under any tax laws. Contact your attorney or other advisors regarding
your specific legal, investment or tax situation.
ORC may not
always operate or deliver results as intended, and Retirementoptimizer.com Inc.
cannot be responsible for errors in functionality or operability, either caused
by hardware or software issues, or any other reason.
The estimated income requirement for the retiree, as well as the fees, costs and other cash flow assumptions may be materially different over the course of the related planning time horizon than in real life. Any user of the ORC has the ability to control assumptions utilized in the analysis presented in this report. It is important that you clearly understand that small changes in the input can change the outcome significantly.
details, refer to the “User Guide” that is built into the program. You can
access it by clicking on the “User Guide” button on the main page of ORC.
Additional information such as frequently asked questions, troubleshooting,
program update notices are available at: www.retirementoptimizer.com
If you are not
completely confident in your understanding of the complexity of these points,
you should seek the advice of a financial advisor who thoroughly understands the
implications of the analysis and any assumptions used. Retirementoptimizer.com
Inc. has not endorsed, tested or validated any of the assumptions and input that
you or your advisor might have entered.