Sequence Risk

Investment Analysis Tables

ILLUSTRATION I
PROJECTION - 5% ANNUAL RETURN
Attained Age RMD Amount IRA Owner Need Amount* IRA Requested Withdrawal Amount IRA Withdrawal Amount Cumm Estimated Available Income Variable Rates of Return Estimated EOY Account Balance
IRA Only
69 0 $0 $0 $0 0.00% $200,000
70 $7,299 $9,000 $9,000 $9,000 $9,000 5.00% $201,000
71 $7,585 $9,180 $9,180 $9,180 $18,180 5.00% $201,870
72 $7,886 $9,364 $9,364 $9,364 $27,544 5.00% $202,600
73 $8,202 $9,551 $9,551 $9,551 $37,094 5.00% $203,179
74 $8,537 $9,742 $9,742 $9,742 $46,836 5.00% $203,596
75 $8,891 $9,937 $9,937 $9,937 $56,773 5.00% $203,839
76 $9,265 $10,135 $10,135 $10,135 $66,909 5.00% $203,896
77 $9,618 $10,338 $10,338 $10,338 $77,247 5.00% $203,752
78 $10,037 $10,545 $10,545 $10,545 $87,792 5.00% $203,395
79 $10,431 $10,756 $10,756 $10,756 $98,547 5.00% $202,809
80 $10,845 $10,971 $10,971 $10,971 $109,518 5.00% $201,978
81 $11,284 $11,190 $11,284 $11,284 $120,802 5.00% $200,794
82 $11,742 $11,414 $11,742 $11,742 $132,544 5.00% $199,091
83 $12,214 $11,642 $12,214 $12,214 $144,759 5.00% $196,831
84 $12,699 $11,875 $12,699 $12,699 $157,457 5.00% $193,974
85 $13,106 $12,113 $13,106 $13,106 $170,564 5.00% $190,566
86 $13,515 $12,355 $13,515 $13,515 $184,079 5.00% $186,579
87 $13,924 $12,602 $13,924 $13,924 $198,003 5.00% $181,985
88 $14,329 $12,854 $14,329 $14,329 $212,332 5.00% $176,754
89 $14,730 $13,111 $14,730 $14,730 $227,062 5.00% $170,862
90 $14,988 $13,374 $14,988 $14,988 $242,050 5.00% $164,418
91 $15,224 $13,641 $15,224 $15,224 $257,274 5.00% $157,415
92 $15,433 $13,914 $15,433 $15,433 $272,707 5.00% $149,853
93 $15,610 $14,192 $15,610 $15,610 $288,316 5.00% $141,736
94 $15,575 $14,476 $15,575 $15,575 $303,892 5.00% $133,247
95 $15,494 $14,765 $15,494 $15,494 $319,385 5.00% $124,416
96 $15,360 $15,061 $15,360 $15,360 $334,745 5.00% $115,276
97 $15,168 $15,362 $15,362 $15,362 $350,107 5.00% $105,678
98 $14,884 $15,669 $15,669 $15,669 $365,777 5.00% $95,293
99 $14,223 $15,983 $15,983 $15,983 $381,759 5.00% $84,075
100 $13,345 $16,302 $16,302 $16,302 $398,061 5.00% $71,976
101 $12,199 $16,628 $16,628 $16,628 $414,690 5.00% $58,947
102 $10,718 $16,961 $16,961 $16,961 $431,651 5.00% $44,933
103 $8,641 $17,300 $17,300 $17,300 $448,951 5.00% $29,880
104 $6,098 $17,646 $17,646 $17,646 $466,597 5.00% $13,728
105 $3,051 $17,999 $14,414 $13,728 $480,325 5.00% $686
106 $163 $18,359 $721 $686 $481,011 5.00% $34
107 $9 $18,726 $36 $34 $481,045 5.00% $2
108 $0 $19,101 $2 $2 $481,047 5.00% $0
109 $0 $19,483 $0 $0 $481,047 5.00% $0
110 $0 $19,872 $0 $0 $481,047 5.00% $0
* "Need" withdrawal rate is $9,000 per annum with 2% annual inflation. Average Annual
Withdrawal
$13,331.34

ILLUSTRATION II
PROJECTION - S&P FORECAST
Attained Age RMD Amount IRA Owner Need Amount* IRA Requested Withdrawal Amount IRA Withdrawal Amount Cumm Estimated Available Income Variable Rates of Return Estimated EOY Account Balance
IRA Only
69 0 $0 $0 $0 0.00% $200,000
70 $7,299 $9,000 $9,000 $9,000 $9,000 -24.00% $143,000
71 $5,396 $9,180 $9,180 $9,180 $18,180 -9.00% $120,950
72 $4,725 $9,364 $9,364 $9,364 $27,544 8.00% $121,262
73 $4,909 $9,551 $9,551 $9,551 $37,094 -1.00% $110,499
74 $4,643 $9,742 $9,742 $9,742 $46,836 27.00% $130,592
75 $5,703 $9,937 $9,937 $9,937 $56,773 17.00% $142,856
76 $6,493 $10,135 $10,135 $10,135 $66,909 17.00% $157,006
77 $7,406 $10,338 $10,338 $10,338 $77,247 -3.00% $141,957
78 $6,993 $10,545 $10,545 $10,545 $87,792 13.00% $149,867
79 $7,685 $10,756 $10,756 $10,756 $98,547 16.00% $163,090
80 $8,721 $10,971 $10,971 $10,971 $109,518 -24.00% $112,977
81 $6,312 $11,190 $11,190 $11,190 $120,709 -9.00% $91,619
82 $5,358 $11,414 $11,414 $11,414 $132,123 8.00% $87,534
83 $5,370 $11,642 $11,642 $11,642 $143,765 -1.00% $75,016
84 $4,840 $11,875 $11,875 $11,875 $155,641 27.00% $83,395
85 $5,635 $12,113 $12,113 $12,113 $167,754 17.00% $85,460
86 $6,061 $12,355 $12,355 $12,355 $180,109 17.00% $87,633
87 $6,540 $12,602 $12,602 $12,602 $192,711 -3.00% $72,402
88 $5,701 $12,854 $12,854 $12,854 $205,565 13.00% $68,960
89 $5,747 $13,111 $13,111 $13,111 $218,676 16.00% $66,882
90 $5,867 $13,374 $13,374 $13,374 $232,050 -24.00% $37,457
91 $3,468 $13,641 $13,641 $13,641 $245,691 -9.00% $20,445
92 $2,004 $13,914 $13,914 $13,914 $259,605 8.00% $8,167
93 $851 $14,192 $8,085 $8,085 $267,690 -1% $0
94 $ - $14,476 $0 $0 $267,690 27% $0
95 $ - $14,765 $0 $0 $267,690 17% $0
96 $ - $15,061 $0 $0 $267,690 17% $0
97 $ - $15,362 $0 $0 $267,690 -3% $0
98 $ - $15,669 $0 $0 $267,690 13% $0
99 $ - $15,983 $0 $0 $267,690 16% $0
100 $ - $16,302 $0 $0 $267,690 -24% $0
101 $ - $16,628 $0 $0 $267,690 -9% $0
102 $ - $16,961 $0 $0 $267,690 8% $0
103 $ - $17,300 $0 $0 $267,690 -1% $0
104 $ - $17,646 $0 $0 $267,690 27% $0
105 $ - $17,999 $0 $0 $267,690 17% $0
106 $ - $18,359 $0 $0 $267,690 17% $0
107 $ - $18,726 $0 $0 $267,690 -3% $0
108 $ - $19,101 $0 $0 $267,690 13% $0
109 $ - $19,483 $0 $0 $267,690 16% $0
110 $ - $19,872 $0 $0 $267,690 -24% $0
Average Annual Withdrawal $11,287.17
* "Need" withdrawal rate is $9,000 per yr. with 2% annual inflation.

ILLUSTRATION III
PROJECTION - 4% WITHDRAWAL RATE
Attained Age RMD Amount IRA Owner 4% Rule IRA Requested Withdrawal Amount IRA Withdrawal Amount Cumm Estimated Available Income Variable Rates of Return Estimated EOY Account Balance
IRA Only
69 0 $0 $0 $0 0% $200,000
70 $7,299 $8,000 $8,000 $8,000 $8,000 -24% $144,000
71 $5,434 $5,760 $5,760 $5,760 $13,760 -9% $125,280
72 $4,894 $5,011 $5,011 $5,011 $18,771 8% $130,291
73 $5,275 $5,212 $5,275 $5,275 $24,046 -1% $123,713
74 $5,198 $4,949 $5,198 $5,198 $29,244 27% $151,918
75 $6,634 $6,077 $6,634 $6,634 $35,878 17% $171,110
76 $7,778 $6,844 $7,778 $7,778 $43,656 17% $192,421
77 $9,076 $7,697 $9,076 $9,076 $52,732 -3% $177,572
78 $8,747 $7,103 $8,747 $8,747 $61,480 13% $191,909
79 $9,841 $7,676 $9,841 $9,841 $71,321 16% $212,773
80 $11,378 $8,511 $11,378 $11,378 $82,699 -24% $150,329
81 $8,398 $6,013 $8,398 $8,398 $91,098 -9% $128,401
82 $7,509 $5,136 $7,509 $7,509 $98,607 8% $131,164
83 $8,047 $5,247 $8,047 $8,047 $106,653 -1% $121,806
84 $7,858 $4,872 $7,858 $7,858 $114,512 27% $146,835
85 $9,921 $5,873 $9,921 $9,921 $124,433 17% $161,876
86 $11,481 $6,475 $11,481 $11,481 $135,914 17% $177,914
87 $13,277 $7,117 $13,277 $13,277 $149,191 -3% $159,299
88 $12,543 $6,372 $12,543 $12,543 $161,734 13% $167,465
89 $13,955 $6,699 $13,955 $13,955 $175,690 16% $180,304
90 $15,816 $7,212 $15,816 $15,816 $191,506 -24% $121,215
91 $11,224 $4,849 $11,224 $11,224 $202,729 -9% $99,082
92 $9,714 $3,963 $9,714 $9,714 $212,443 8% $97,295
93 $10,135 $3,892 $10,135 $10,135 $222,578 -1% $86,187
94 $9,471 $3,447 $9,471 $9,471 $232,049 27% $99,986
95 $11,626 $3,999 $11,626 $11,626 $243,675 17% $105,358
96 $13,007 $4,214 $13,007 $13,007 $256,683 17% $110,261
97 $14,508 $4,410 $14,508 $14,508 $271,191 -3% $92,445
98 $13,020 $3,698 $13,020 $13,020 $284,211 13% $91,443
99 $13,648 $3,658 $13,648 $13,648 $297,859 16% $92,425
100 $14,671 $3,697 $14,671 $14,671 $312,530 -24% $55,573
101 $9,419 $2,223 $9,419 $9,419 $321,949 -9% $41,152
102 $7,482 $1,646 $7,482 $7,482 $329,431 8% $36,962
103 $7,108 $1,478 $7,108 $7,108 $336,539 -1% $29,484
104 $6,017 $1,179 $6,017 $6,017 $342,557 27% $31,428
105 $6,984 $1,257 $6,984 $6,984 $349,541 17% $29,787
106 $7,092 $1,191 $7,092 $7,092 $356,633 17% $27,758
107 $7,118 $1,110 $7,118 $7,118 $363,750 -3% $19,808
108 $5,354 $792 $5,354 $5,354 $369,104 13% $17,030
109 $5,009 $681 $5,009 $5,009 $374,112 16% $14,746
110 $4,757 $590 $4,757 $4,757 $378,869 -24% $6,450
The witdrawal rate is not less than 4% of the prior yr IRA balance. Average Annual Withdrawal $9,240.71
If RMD is greater than the 4% amount, the RMD is the withdrawal.

ILLUSTRATION IV
PROJECTION - COMBO RETURN
Attained Age RMD Amount IRA Owner Need Amount* IRA Requested Withdrawal Amount IRA Withdrawal Amount Cumm Estimated Available Income Variable Rates of Return Estimated EOY Account Balance
IRA Only
69 0 $0 $0 $0 0% $200,000
70 $7,299 $9,000 $9,000 $9,000 $9,000 -6% $178,237
71 $6,726 $9,000 $9,000 $9,000 $18,000 -2% $165,787
72 $6,476 $9,000 $9,000 $9,000 $27,000 3% $162,485
73 $6,578 $9,000 $9,000 $9,000 $36,000 1% $155,058
74 $6,515 $9,000 $9,000 $9,000 $45,000 10% $160,941
75 $7,028 $9,000 $9,000 $9,000 $54,000 7% $162,833
76 $7,401 $9,000 $9,000 $9,000 $63,000 7% $165,698
77 $7,816 $9,000 $9,000 $9,000 $72,000 1% $158,861
78 $7,826 $9,000 $9,000 $9,000 $81,000 6% $159,359
79 $8,172 $9,000 $9,000 $9,000 $90,000 7% $161,446
80 $8,633 $9,000 $9,000 $9,000 $99,000 -5% $144,404
81 $8,067 $9,000 $9,000 $9,000 $108,000 -1% $134,377
82 $7,858 $9,000 $9,000 $9,000 $117,000 4% $131,407
83 $8,062 $9,000 $9,000 $9,000 $126,000 2% $124,829
84 $8,053 $9,000 $9,000 $9,000 $135,000 10% $128,684
85 $8,695 $9,000 $9,000 $9,000 $144,000 7% $128,843
86 $9,138 $9,000 $9,138 $9,138 $153,138 7% $129,094
87 $9,634 $9,000 $9,634 $9,634 $162,772 1% $121,145
88 $9,539 $9,000 $9,539 $9,539 $172,311 6% $118,849
89 $9,904 $9,000 $9,904 $9,904 $182,215 7% $117,214
90 $10,282 $9,000 $10,282 $10,282 $192,497 -5% $101,093
91 $9,360 $9,000 $9,360 $9,360 $201,857 -1% $91,014
92 $8,923 $9,000 $9,000 $9,000 $210,857 4% $86,098
93 $8,969 $9,000 $9,000 $9,000 $219,857 2% $78,685
94 $8,647 $9,000 $9,000 $9,000 $228,857 10% $77,788
95 $9,045 $9,000 $9,045 $9,045 $237,902 7% $74,279
96 $9,170 $9,000 $9,170 $9,170 $247,073 7% $70,522
97 $9,279 $9,000 $9,279 $9,279 $256,352 1% $62,163
98 $8,755 $9,000 $9,000 $9,000 $265,352 6% $56,880
99 $8,490 $9,000 $9,000 $9,000 $274,352 7% $51,837
100 $8,228 $9,000 $9,000 $9,000 $283,352 -5% $40,255
101 $6,823 $9,000 $9,000 $9,000 $292,352 -1% $30,969
102 $5,631 $9,000 $9,000 $9,000 $301,352 4% $23,358
103 $4,492 $9,000 $9,000 $9,000 $310,352 2% $14,789
104 $3,018 $9,000 $9,000 $9,000 $319,352 10% $7,312
105 $1,625 $9,000 $7,832 $7,312 $326,663 7% $520
106 $124 $9,000 $558 $520 $327,184 7% $38
107 $10 $9,000 $38 $38 $327,222 1% $0
108 $0 $9,000 $1 $0 $327,222 6% $0
109 $0 $9,000 $0 $0 $327,222 7% $0
110 $0 $9,000 $0 $0 $327,222 -5% $0
* "Need" withdrawal rate is $9,000 per annum without inflation. Average Annual Withdrawal $9,124.34

ILLUSTRATION V
PROJECTION - S&P FORECAST
Attained Age RMD Amount IRA Owner Need Amount* IRA Requested Withdrawal Amount IRA Withdrawal Amount Cumm Estimated Available Income Variable Rates of Return Estimated EOY Account Balance
IRA Only
69 0 $0 $0 $0 0% $200,000
70 $7,299 $9,000 $9,000 $9,000 $9,000 -24% $143,000
71 $5,396 $9,000 $9,000 $9,000 $18,000 -9% $121,130
72 $4,732 $9,000 $9,000 $9,000 $27,000 8% $121,820
73 $4,932 $9,000 $9,000 $9,000 $36,000 -1% $111,602
74 $4,689 $9,000 $9,000 $9,000 $45,000 27% $132,735
75 $5,796 $9,000 $9,000 $9,000 $54,000 17% $146,300
76 $6,650 $9,000 $9,000 $9,000 $63,000 17% $162,171
77 $7,650 $9,000 $9,000 $9,000 $72,000 -3% $148,306
78 $7,306 $9,000 $9,000 $9,000 $81,000 13% $158,585
79 $8,133 $9,000 $9,000 $9,000 $90,000 16% $174,959
80 $9,356 $9,000 $9,356 $9,356 $99,356 -24% $123,613
81 $6,906 $9,000 $9,000 $9,000 $108,356 -9% $103,488
82 $6,052 $9,000 $9,000 $9,000 $117,356 8% $102,767
83 $6,305 $9,000 $9,000 $9,000 $126,356 -1% $92,739
84 $5,983 $9,000 $9,000 $9,000 $135,356 27% $108,778
85 $7,350 $9,000 $9,000 $9,000 $144,356 17% $118,271
86 $8,388 $9,000 $9,000 $9,000 $153,356 17% $129,377
87 $9,655 $9,000 $9,655 $9,655 $163,011 -3% $115,840
88 $9,121 $9,000 $9,121 $9,121 $172,132 13% $121,778
89 $10,148 $9,000 $10,148 $10,148 $182,281 16% $131,115
90 $11,501 $9,000 $11,501 $11,501 $193,782 -24% $88,146
91 $8,162 $9,000 $9,000 $9,000 $202,782 -9% $71,213
92 $6,982 $9,000 $9,000 $9,000 $211,782 8% $67,910
93 $7,074 $9,000 $9,000 $9,000 $220,782 -1% $58,231
94 $6,399 $9,000 $9,000 $9,000 $229,782 27% $64,953
95 $7,553 $9,000 $9,000 $9,000 $238,782 17% $66,995
96 $8,271 $9,000 $9,000 $9,000 $247,782 17% $69,384
97 $9,129 $9,000 $9,129 $9,129 $256,911 -3% $58,173
98 $8,193 $9,000 $9,000 $9,000 $265,911 13% $56,736
99 $8,468 $9,000 $9,000 $9,000 $274,911 16% $56,813
100 $9,018 $9,000 $9,018 $9,018 $283,929 -24% $34,160
101 $5,790 $9,000 $9,000 $9,000 $292,929 -9% $22,086
102 $4,016 $9,000 $9,000 $9,000 $301,929 8% $14,853
103 $2,856 $9,000 $9,000 $9,000 $310,929 -1% $5,704
104 $1,164 $9,000 $7,244 $5,704 $316,633 27% $1,540
105 $342 $9,000 $1,802 $1,540 $318,173 17% $262
106 $62 $9,000 $306 $262 $318,435 17% $45
107 $11 $9,000 $43 $43 $318,478 -3% $0
108 $ - $9,000 $0 $0 $318,478 13% $0
109 $ - $9,000 $0 $0 $318,478 $0 $0
110 $ - $9,000 $0 $0 $318,478 $0 $0
* "Need" withdrawal rate is $9,000 per annum without inflation. Average Annual Withdrawal $9,144.97

ILLUSTRATION VI
PROJECTION - COMBO RETURN
Attained Age RMD Amount IRA Owner Need Amount* IRA Requested Withdrawal Amount IRA Withdrawal Amount Cumm Estimated Available Income Variable Rates of Return Estimated EOY Account Balance
IRA Only
69 0 $0 $0 $0 0% $200,000
70 $7,299 $9,000 $9,000 $9,000 $9,000 -6% $178,237
71 $6,726 $9,180 $9,180 $9,180 $18,180 -2% $165,607
72 $6,469 $9,364 $9,364 $9,364 $27,544 3% $161,936
73 $6,556 $9,551 $9,551 $9,551 $37,094 1% $153,952
74 $6,469 $9,742 $9,742 $9,742 $46,836 10% $158,987
75 $6,943 $9,937 $9,937 $9,937 $56,773 7% $159,810
76 $7,264 $10,135 $10,135 $10,135 $66,909 7% $161,319
77 $7,609 $10,338 $10,338 $10,338 $77,247 1% $153,087
78 $7,541 $10,545 $10,545 $10,545 $87,792 6% $151,695
79 $7,779 $10,756 $10,756 $10,756 $98,547 7% $151,493
80 $8,101 $10,971 $10,971 $10,971 $109,518 -5% $132,975
81 $7,429 $11,190 $11,190 $11,190 $120,709 -1% $120,840
82 $7,067 $11,414 $11,414 $11,414 $132,123 4% $114,848
83 $7,046 $11,642 $11,642 $11,642 $143,765 2% $105,322
84 $6,795 $11,875 $11,875 $11,875 $155,641 10% $104,293
85 $7,047 $12,113 $12,113 $12,113 $167,754 7% $99,603
86 $7,064 $12,355 $12,355 $12,355 $180,109 7% $94,506
87 $7,053 $12,602 $12,602 $12,602 $192,711 1% $83,137
88 $6,546 $12,854 $12,854 $12,854 $205,565 6% $75,254
89 $6,271 $13,111 $13,111 $13,111 $218,676 7% $67,378
90 $5,910 $13,374 $13,374 $13,374 $232,050 -5% $50,648
91 $4,690 $13,641 $13,641 $13,641 $245,691 -1% $36,647
92 $3,593 $13,914 $13,914 $13,914 $259,605 4% $24,378
93 $2,539 $14,192 $14,192 $14,192 $273,797 2% $10,635
94 $1,169 $14,476 $11,731 $10,635 $284,432 10% $1,095
95 $127 $14,765 $1,173 $1,095 $285,527 7% $78
96 $10 $15,061 $84 $78 $285,605 7% $6
97 $1 $15,362 $6 $6 $285,611 1% $0
98 $0 $15,669 $0 $0 $285,611 6% $0
99 $0 $15,983 $0 $0 $285,611 7% $0
100 $0 $16,302 $0 $0 $285,611 -5% $0
101 $ - $16,628 $0 $0 $285,611 -1% $0
102 $ - $16,961 $0 $0 $285,611 4% $0
103 $ - $17,300 $0 $0 $285,611 2% $0
104 $ - $17,646 $0 $0 $285,611 10% $0
105 $ - $17,999 $0 $0 $285,611 7% $0
106 $ - $18,359 $0 $0 $285,611 7% $0
107 $ - $18,726 $0 $0 $285,611 1% $0
108 $ - $19,101 $0 $0 $285,611 6% $0
109 $ - $19,483 $0 $0 $285,611 7% $0
110 $ - $19,872 $0 $0 $285,611 -5% $0
* "Need" withdrawal rate is $9,000 per annum with 2% annual inflation. Average Annual Withdrawal $11,408.21

ILLUSTRATION VII
PROJECTION - QLAC PURCHASE WITH COMBO
Attained Age RMD Amount IRA Owner Need Amount* QLAC Funding Amount IRA Requested Withdrawal Amount Estimated QLAC Premium & Distributions Total Annual Cash Flow Cumm Annual Cash Flow Variable Rates of Reture Estimated EOY IRA Balance After QLAC
IRA + QLAC
69 $ - $0 $0 $0 $0 $0 0% $200,000
70 $7,299 $9,000 $35,000 $9,000 ($35,000) $9,000 $9,000 -6% $141,956
71 $5,357 $9,180 $0 $9,180 $0 $9,180 $18,180 -2% $130,028
72 $5,079 $9,364 $0 $9,364 $0 $9,364 $27,544 3% $125,134
73 $5,066 $9,551 $0 $9,551 $0 $9,551 $37,094 1% $116,794
74 $4,907 $9,742 $0 $9,742 $0 $9,742 $46,836 10% $118,262
75 $5,164 $9,937 $0 $9,937 $0 $9,937 $56,773 7% $116,329
76 $5,288 $10,135 $0 $10,135 $0 $10,135 $66,909 7% $114,670
77 $5,409 $10,338 $0 $10,338 $0 $10,338 $77,247 1% $105,829
78 $5,213 $10,545 $0 $10,545 $0 $10,545 $87,792 6% $101,611
79 $5,211 $10,756 $0 $10,756 $0 $10,756 $98,547 7% $97,925
80 $5,237 $10,971 $0 $10,971 $0 $10,971 $109,518 -5% $82,076
81 $4,585 $11,190 $0 $11,190 $0 $11,190 $120,709 -1% $70,302
82 $4,111 $11,414 $0 $11,414 $0 $11,414 $132,123 4% $62,043
83 $3,806 $11,642 $0 $11,642 $0 $11,642 $143,765 2% $51,543
84 $3,325 $11,875 $0 $11,875 $0 $11,875 $155,641 10% $44,976
85 $3,039 $12,113 $0 $3,039 $12,775 $15,814 $171,455 7% $45,138
86 $3,201 $12,355 $0 $3,201 $12,775 $15,976 $187,431 7% $45,226
87 $3,375 $12,602 $0 $3,375 $12,775 $16,150 $203,581 1% $42,442
88 $3,342 $12,854 $0 $3,342 $12,775 $16,117 $219,698 6% $41,637
89 $3,470 $13,111 $0 $3,470 $12,775 $16,245 $235,943 7% $41,064
90 $3,602 $13,374 $0 $3,602 $12,775 $16,377 $252,320 -5% $35,417
91 $3,279 $13,641 $0 $3,279 $12,775 $16,054 $268,374 -1% $31,886
92 $3,126 $13,914 $0 $3,126 $12,775 $15,901 $284,275 4% $30,190
93 $3,145 $14,192 $0 $3,145 $12,775 $15,920 $300,195 2% $27,602
94 $3,033 $14,476 $0 $3,033 $12,775 $15,808 $316,003 10% $27,411
95 $3,187 $14,765 $0 $3,187 $12,775 $15,962 $331,966 7% $26,175
96 $3,231 $15,061 $0 $3,231 $12,775 $16,006 $347,972 7% $24,851
97 $3,270 $15,362 $0 $3,270 $12,775 $16,045 $364,017 1% $21,905
98 $3,085 $15,669 $0 $3,085 $12,775 $15,860 $379,877 6% $20,130
99 $3,004 $15,983 $0 $3,208 $12,775 $15,983 $395,860 7% $18,323
100 $2,908 $16,302 $0 $3,527 $12,775 $16,302 $412,162 -5% $13,883
101 $2,353 $16,628 $0 $3,853 $12,775 $16,628 $428,790 -1% $9,931
102 $1,806 $16,961 $0 $4,186 $12,775 $16,961 $445,751 4% $6,190
103 $1,190 $17,300 $0 $4,525 $12,775 $17,300 $463,051 2% $1,779
104 $363 $17,646 $0 $1,963 $12,775 $14,738 $477,789 10% $0
105 $ - $17,999 $0 $0 $12,775 $12,775 $490,564 7% $0
106 $ - $18,359 $0 $0 $12,775 $12,775 $503,339 7% $0
107 $ - $18,726 $0 $0 $12,775 $12,775 $516,114 1% $0
108 $ - $19,101 $0 $0 $12,775 $12,775 $528,889 6% $0
109 $ - $19,483 $0 $0 $12,775 $12,775 $541,664 7% $0
110 $ - $19,872 $0 $0 $12,775 $12,775 $554,439 -5% $0
* "Need" withdrawal rate is $9,000 per annum with 2% annual inflation. Average Annual Withdrawal $13,522.90

ILLUSTRATION VIII
PROJECTION - QLAC PURCHASE WITH S&P FORECAST
Attained Age RMD Amount IRA Owner Need Amount* QLAC Funding Amount IRA Requested Withdrawal Amount Estimated QLAC Premium & Distributions Total Annual Cash Flow Cumm Annual Cash Flow Variable Rates of Return Estimated EOY IRA Balance After QLAC
IRA + QLAC
69 $ - $0 $0 $0 $0 $0 0% $200,000
70 $7,299 $9,000 $35,000 $9,000 ($35,000) $9,000 $9,000 -24% $106,719
71 $4,027 $9,180 $0 $9,180 $0 $9,180 $18,180 -9% $87,934
72 $3,435 $9,364 $0 $9,364 $0 $9,364 $27,544 8% $85,605
73 $3,466 $9,551 $0 $9,551 $0 $9,551 $37,094 -1% $75,198
74 $3,160 $9,742 $0 $9,742 $0 $9,742 $46,836 27% $85,760
75 $3,745 $9,937 $0 $9,937 $0 $9,937 $56,773 17% $90,402
76 $4,109 $10,135 $0 $10,135 $0 $10,135 $66,909 17% $95,635
77 $4,511 $10,338 $0 $10,338 $0 $10,338 $77,247 -3% $82,428
78 $4,060 $10,545 $0 $10,545 $0 $10,545 $87,792 13% $82,599
79 $4,236 $10,756 $0 $10,756 $0 $10,756 $98,547 16% $85,059
80 $4,549 $10,971 $0 $10,971 $0 $10,971 $109,518 -24% $53,674
81 $2,999 $11,190 $0 $11,190 $0 $11,190 $120,709 -9% $37,653
82 $2,202 $11,414 $0 $11,414 $0 $11,414 $132,123 8% $29,251
83 $1,795 $11,642 $0 $11,642 $0 $11,642 $143,765 -1% $17,316
84 $1,117 $11,875 $0 $11,875 $0 $11,875 $155,641 27% $10,116
85 $683 $12,113 $0 $683 $12,775 $13,458 $169,099 17% $11,152
86 $791 $12,355 $0 $791 $12,775 $13,566 $182,665 17% $12,257
87 $915 $12,602 $0 $915 $12,775 $13,690 $196,355 -3% $10,974
88 $864 $12,854 $0 $864 $12,775 $13,639 $209,994 13% $11,537
89 $961 $13,111 $0 $961 $12,775 $13,736 $223,730 16% $12,422
90 $1,090 $13,374 $0 $1,090 $12,775 $13,865 $237,595 -24% $8,351
91 $773 $13,641 $0 $866 $12,775 $13,641 $251,236 -9% $6,733
92 $660 $13,914 $0 $1,139 $12,775 $13,914 $265,150 8% $6,133
93 $639 $14,192 $0 $1,417 $12,775 $14,192 $279,342 -1% $4,655
94 $511 $14,476 $0 $1,701 $12,775 $14,476 $293,818 27% $4,210
95 $490 $14,765 $0 $1,990 $12,775 $14,765 $308,583 17% $2,936
96 $362 $15,061 $0 $2,286 $12,775 $15,061 $323,644 17% $1,149
97 $151 $15,362 $0 $1,115 $12,775 $13,890 $337,534 -3% $0
98 $ - $15,669 $0 $0 $12,775 $12,775 $350,309 13% $0
99 $ - $15,983 $0 $0 $12,775 $12,775 $363,084 16% $0
100 $ - $16,302 $0 $0 $12,775 $12,775 $375,859 -24% $0
101 $ - $16,628 $0 $0 $12,775 $12,775 $388,634 -9% $0
102 $ - $16,961 $0 $0 $12,775 $12,775 $401,409 8% $0
103 $ - $17,300 $0 $0 $12,775 $12,775 $414,184 -1% $0
104 $ - $17,646 $0 $0 $12,775 $12,775 $426,959 27% $0
105 $ - $17,999 $0 $0 $12,775 $12,775 $439,734 17% $0
106 $ - $18,359 $0 $0 $12,775 $12,775 $452,509 17% $0
107 $ - $18,726 $0 $0 $12,775 $12,775 $465,284 -3% $0
108 $ - $19,101 $0 $0 $12,775 $12,775 $478,059 13% $0
109 $ - $19,483 $0 $0 $12,775 $12,775 $490,834 16% $0
110 $ - $19,872 $0 $0 $12,775 $12,775 $503,609 -24% $0
* "Need" withdrawal rate is $9,000 per annum with 2% annual inflation. Average Annual Withdrawal $12,283.15