Retirement

Hard Roc Academy - Retirement Planning Calculators

📅 When Can You Retire?

Age 0
You Can Retire At

Years Until Retirement: 0 years

Total Contributions: $0

Investment Growth: $0

Final Portfolio Value: $0

Progress to Retirement Goal

0% Complete

🎯 Portfolio Milestones

💡 Calculation Assumptions:

Monthly contributions are made at the end of each month
Investment returns compound annually
Returns are consistent year over year (actual returns will vary)
No account for inflation in target amount
No taxes considered on withdrawals
4% safe withdrawal rate assumed for retirement

🏦 F&G Power Accumulator IUL

Fixed Indexed Universal Life Insurance • Ranked #4 in IUL Sales Nationwide

💰 Monthly Premium

Premium Amount:

Annual: $9,000

Total: $270,000

Current Age: years old

Desired Retirement Age: years old

Years to retirement: 30

Expected Annual Return (%):

Results at Retirement (Age 65)

$425,000

Cash Value

+136%

$450,000

Death Benefit

Tax-Free

Total Premiums Paid: $180,000
Net Gain: +$245,000
Average Annual Return: +4.4%

F&G Power Accumulator Features

12%

Cap Rate

Floor Protection

1.8%

Annual Fees

Market Protected Years: 3/20
Cap Limited Years: 8/20
F&G Financial Rating: A (Excellent)

🎯 Policy Benefits & Features

Tax-Deferred Growth

Cash value grows tax-deferred with potential for tax-free policy loans

Free Living Benefits

Access death benefit early for critical, chronic, or terminal illness

Market Protection

0% floor protects against market losses while participating in gains up to 12%

Death Benefit Protection

Tax-free death benefit provides financial security for your beneficiaries

Borrow Against Cash Value

Access funds through tax-free policy loans with flexible repayment terms

Important Disclaimers

This is an educational illustration only. Actual policy performance may vary based on current rates, fees, and market conditions. Calculations use consistent annual return rates as selected.

Life insurance policies have fees and charges. Consult with a licensed insurance professional before making any decisions.

🎯 Hard Roc Academy