Disclaimer

All calculations are used for comparative purposes to help you gauge the relative productivity of present and alternative plans. The calculations are hypothetical illustrations. They are based upon your assumption that current products, tax and other laws, and annual cash outlays, all of which are subject to change, will continue unchanged for the stated number of years. It is not likely you will achieve the exact results illustrated in any of these calculations, since it is impossible to predict the effect of possible changes of your individual situation. Any interest, dividend or rates of return calculations shown are for purposes of illustration only and are neither guarantees nor estimates of actual performance.

There is no warranty or guarantee of success with the use of the model and no one is authorized to make such a representation. The client accepts full responsibility for his or her own financial decisions and for the consequences of those decisions. There is no legal or tax advice given with the use of this analysis. The client may wish to consult his or her own tax, legal, or other advisor.