Important Assumptions This illustration projects portfolio balances using a simplified deterministic model. The baseline assumes the entered return and inflation rates apply uniformly each year. Stress scenarios alter a single assumption at a time to isolate its effect. Real markets do not produce constant returns — actual outcomes will vary, sometimes substantially. This tool does not model taxes, fees, Required Minimum Distributions, healthcare cost inflation (which typically exceeds general inflation), long-term care expenses, market volatility beyond the named scenarios, changes in Social Security policy, or changes in personal circumstances. Withdrawals are assumed to occur evenly throughout each year. Social Security and other income are inflation-adjusted at the baseline rate.