Peter and Joan were eager to jump into retirement with both feet, but the sudden realization that their money had to last a lifetime certainly gave them pause. For years, they’ve envisioned what they wanted from life after they stopped working, and they’ve diligently planned for it. But now that it’s closer than ever, they were wondering what they needed to do to smoothly man¬age the transition.

We would help them identify their wants and needs, and clarify how much money they would need each month to maintain their lifestyle. Using the Raymond James Goal Planning & Monitoring software, we would address important issues such as maximizing Social Security benefits, being prepared for healthcare expenses, and having an estate plan.

This investment profile is hypothetical and not indicative of any specific situations or clients. It is presented only as an example and not intended as investment advice. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Raymond James financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

The projections or other information generated by Goal Planning & Monitoring regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results. The return assumptions in Goal Planning & Monitoring are not reflective of any specific product, and do not include any fees or expenses that may be incurred by investing in specific products. The actual returns of a specific product may be more or less than the returns used in Goal Planning & Monitoring. It is not possible to directly invest in an index. Financial forecasts, rates of return, risk, inflation, and other assumptions may be used as the basis for illustrations. They should not be considered a guarantee of future performance or a guarantee of achieving overall financial objectives. Past performance is not a guarantee or a predictor of future results of either the indices or any particular investment. Goal Planning & Monitoring results may vary with each use and over time.