Go Beyond Your 401(k) Statement
As part of your employer’s retirement plan support, you have access to a professional retirement modeling tool designed to help you understand how your current savings may translate into retirement income.
This complimentary assessment allows you to evaluate your retirement outlook and explore how different decisions may affect your long-term plan.
Why This Matters
Your 401(k) statement shows your balance and investment allocation.
It does not show:
- Whether your savings may support your desired retirement lifestyle
- How long your money could last
- How changes in retirement age may affect outcomes
- How Social Security timing may influence results
- How healthcare or long-term care costs could impact your plan
This assessment connects those pieces.
How It Works
After entering your financial information, the system:
- Runs 1,000 simulations of your plan under varying market return scenarios
- Estimates your Probability of Success
- Defines success as reaching your selected longevity age without depleting savings
Your Probability of Success reflects the percentage of simulations where your assets lasted through retirement.
Interactive Retirement Modeling
In addition to viewing your initial results, you can explore how changes may affect your retirement outlook.
You can adjust:
- Retirement age
- Monthly retirement expenses
- Healthcare and long-term care costs
- Longevity assumptions
- Vacation or lifestyle expenses
- College funding goals
- Current income levels
- Social Security timing (earlier or later)
- Asset allocation across several investment models
As you adjust these inputs, your Probability of Success updates in real time.
This allows you to see how different decisions may strengthen or weaken your retirement plan.
What You’ll Receive
- Monte Carlo retirement simulation
- Probability of Success score
- Longevity stress testing
- Interactive scenario modeling
This Retirement module is provided at no cost to plan participants.
About the Planning Platform
Your retirement assessment is powered by RightCapital.
RightCapital is a professional financial planning platform used by advisory firms nationwide to model retirement income and evaluate planning decisions.
Your information is securely encrypted within the platform and accessible only to you and our advisory team.
Optional Next Steps
After reviewing your results and exploring different scenarios, you may choose to:
- Continue updating your projections independently
- Monitor how changes affect your Probability of Success
- Request a retirement review conversation
Some participants find additional value in coordinating retirement income planning with broader financial considerations, such as tax strategy, investment alignment, insurance planning, and estate planning. Those services are optional and separate from this complimentary resource.
Important Information
This retirement analysis is for educational purposes only and is based on the information you provide. Results are hypothetical and do not guarantee future outcomes. Investment returns, inflation, and longevity assumptions may vary.
