Workshop
Numbers before the appointment.
These calculators are educational. They are not quotes, tax advice, or a recommendation to buy anything. They are here so the first conversation can start further along.
Retirement Paycheck Gap
How much guaranteed income is still missing each month?
Start with the life you want to fund. Subtract Social Security, pension, and other income you can count on. What remains is the gap an annuity might be asked to fill.
How Long Will It Last?
A straight-line look at withdrawals against a balance.
If you draw a fixed amount from savings, how many years does the balance survive? Optional growth is an illustration, not a forecast of any product.
Life Insurance Needs
A simple capacity sketch — not a quote.
Income to replace, debts to clear, final expenses, minus what you already have. Enough to start a conversation; not enough to skip underwriting.
Inflation Reality
What today’s bills become in 10, 20, or 30 years.
A grocery run, a tax bill, a month of care — grown at a rate you choose. The point is not precision. It is refusing to plan in today’s dollars.
RMD Estimate
Required minimum distributions using the IRS Uniform Lifetime Table.
Once RMDs begin, the IRS has an opinion about how much must come out. This uses the Uniform Lifetime Table. It is education, not tax advice.
Indiana Care Costs
What a care event can cost in this state, inflated forward.
Indianapolis-area nursing home and assisted living figures, grown over the years you might be exposed. A way to see why long-term care is an insurance conversation.