McLane Advisors created and copyrighted the Retirement Analysis, a single-page retirement worksheet. It is a powerful tool that simply explains the benefits and income available to you in retirement. Contact us for your complimentary analysis.

In addition to the Retirement Analysis and our individual retirement planning, we also provide assistance with IRA’s and IRA Rollovers, 401k’s, private-sector retirements, Social Security, and more. We are a full-service financial firm.

Retirement Benefit Analysis

Will I. Retire

Retirement Date: 6/30/19


Monthly Pension Amount




Based on the Retiree Life Option after the maximum Partial Lump Sum Distribution (PLSD)
provided by your Retirement estimate



Monthly Withdrawal from Partial Lump Sum Distribution - IRA Rollover




Using an annual withdrawal rate of 5% of $151,527 divided by 12 months.
If you are under age 59 ½, the 10% penalty may be avoided by meeting certain criteria.



Alternate Survivor Benefit Cost


-  464


To age 90 life insurance coverage (Class II) of $656,160 (age 52). Based on a 5% calculation of the 100% Option. ($2,734/month to survivor after the maximum PLSD)



Sub Total:



457 Deferred Compensation Plan




Current Value:        $43,466 (Includes $23,000 from sick / vacation time pay if applicable)
Using an annual withdrawal rate of 5% divided by 12 months equals



Other Investments




Current Value:        $87,368
Using an annual withdrawal rate of 5% divided by 12 months equals:



Savings (Not For Income)




Current Value:        $23,000
Using an annual withdrawal rate of 0% divided by 12 months equals:



Sick / Vacation / Terminal Pay




Current Value         $37,507 (less % to retirement system and $23,000 to 457 or 403(b) if applicable)




Current Monthly Income




Total Monthly:



Less Social Security contribution








Less Medicare contribution







Less Retirement contribution








Less 457 / 401(k) contribution








Adjusted Monthly Income (pretax)




Monthly Retirement Income (pretax):



Retirement Income as a percentage of Current Adjusted Income



Note: The above is only an estimate based on information provided by the Participant / Potential Retiree and is not guaranteed.
Figures may vary based on the changes in value of any or all accounts, and do not include health insurance premiums or income taxes


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