ProFNA Analysis
2026-04-04
"Hello ____! Are you ready for some retirement talk today? I'll walk you through your plan so it's crystal clear.
Compliance: Before we start, we are on a recorded line for accuracy and training. Are you OK with that?"
Compliance: Before we start, we are on a recorded line for accuracy and training. Are you OK with that?"
1. Pension Calculation
"There are 3 things that calculate your Pension: Your Multiplier, your Years of Service, and your Income. Let's verify those."
Estimated Annual Pension$0
2. The Income Gap
"Most people tell me they need 100% or more of their current income to maintain their lifestyle in retirement. Let's see where you stand."
Target Income
$0
Guaranteed
$0
Surplus
$0
3. Asset Inventory (The 3 Buckets)
"Let's look at what you have saved. We separate money into 3 tax buckets:
• Taxed Now (Banks)
• Taxed Later (401k/IRA)
• Tax Advantaged (Roth/Life Ins)"
• Taxed Now (Banks)
• Taxed Later (401k/IRA)
• Tax Advantaged (Roth/Life Ins)"
| Bucket | Current Value | Monthly Contrib. |
|---|---|---|
| Taxed Now Bank/Savings (Fixed) | ||
| Taxed Later 401k/IRA (Market) | ||
| Tax Advantaged Roth/IUL (Indexed) |
4. Strategy: Inflation & Taxes
"To win, we need to fight two battles: Inflation and Taxes.
For Growth, you have 3 choices:
1. Fixed: Safe, but low returns (Loses to inflation).
2. Market: High potential, but risk of losing money (401k).
3. Indexed: Guaranteed floor (no loss) with upside linked to the market.
Which strategy makes the most sense to you for your long-term savings?"
For Growth, you have 3 choices:
1. Fixed: Safe, but low returns (Loses to inflation).
2. Market: High potential, but risk of losing money (401k).
3. Indexed: Guaranteed floor (no loss) with upside linked to the market.
Which strategy makes the most sense to you for your long-term savings?"
FIXED
(Safe/Low)
(Safe/Low)
INDEXED
(Safe/High)
(Safe/High)
MARKET
(Risk/High)
(Risk/High)
"Based on what we've talked about, what could you realistically see putting away monthly—good months and bad—to fill that gap without stressing yourself?"
$/ mo
Set Follow-up Appointment
"I'll send you a Zoom link. We will look at specific options to maximize this savings. Does tomorrow at this time work?"