Run the numbers before the meeting.
Seven advisor-grade calculators. Each one answers a single planning question: how much, how long, or what is it worth.
Life Insurance Needs Calculator
Add up debts, income replacement, education and final expenses to size the death benefit the plan actually calls for.
Open calculator →Disability Needs Calculator
Estimate the monthly benefit needed to replace income if a client cannot work.
Open calculator →LTC Self-Funding Calculator
Test whether a client’s assets can absorb a care event without insurance, and what is left for the surviving spouse.
Open calculator →Life Settlement Calculator
Estimate what an unneeded policy might be worth in the secondary market compared with surrendering it.
Open calculator →Retirement Stress Test Calculator
See how the plan holds up through poor sequences of returns and higher spending.
Open calculator →Retirement Income Layering Calculator
Stack guaranteed income, portfolio withdrawals and other sources against spending.
Open calculator →Sustainable Withdrawal Rate Calculator
Find a withdrawal rate the portfolio can sustain over the planning horizon.
Open calculator →The calculators frame it. We help you answer it.
Carrier pricing, in-force policy reviews, and underwriting insight for fee-only fiduciary advisors.
These calculators are provided for educational and illustrative purposes only. The results are hypothetical and are based on the information and assumptions you provide. The calculators do not predict or project the performance of any specific investment, and results are not guarantees of future outcomes.