INCOME BOOST
$15,983 IN YEAR 1

RISK REDUCTION
4.3% IN YEAR 1
Income Allocation Planning Method
Sources of Income
At Age 85
At Retirement
Withdrawals
$44,115
$44,115
Annuity Payments
0
0
From IRA Savings
$44,115
$44,115
Dividends
$21,214
$10,132
Interest
$6,235
$6,235
Annuity Payments
$14,801
$14,801
From Personal Savings
$31,168
$31,168
Total Pre-Tax Income
$75,283
$75,283
Taxes
$9,460
$9,460
Total After-Tax Income
$65,823
$65,823
% Safe Income
100.0%
41.4%
Allocation of Retirement Portfolios
Income
Allocation
Traditional Asset Allocation
Equities
$432,500
$400,000
IRA
Fixed Income
$432,500
$600,000
Income Annuities (A)
$135,000
$0
Total IRA
$1,000,000
$1,000,000
Equities
$311,750
$400,000
Personal
Fixed Income
$311,750
$600,000
Income Annuities (B)
$376,500
$0
Total Personal Savings
$1,000,000
$1,000,000
Total Retirement Savings
$2,000,000
$2,000,000
Income Annuities (A):0.00/$135,000
Income Annuities (B):$261,500.00/$115,000
Taxable % of personal annuity payments: 30.0%
Comparison - Asset Allocation vs Income Allocation
Sources of Income in Year 1
Income
Allocation
Asset
Allocation
Withdrawals
$44,115
$37,300
IRA
Annuity Payments
0
0
From IRA Savings
$44,115
$37,300
Dividends
$10,132
$10,000
Personal
Interest
$6,235
$12,000
Savings
Annuity Payments
$14,801
0
From Personal Savings
$31,168
$22,000
Total Pre-Tax Income
$75,283
$59,300
Taxes
$9,460
$8,145
Total After-Tax Income
$65,823
$51,155
Income Volatility
58.6%
62.9%
Taxable % of personal annuity payments: 30.0%
IA Percentage: float(5.7)
IA IApercentageNumber:float(0.0566333)
DIA Percentage:float(31.1)
DIA Percentage Number:float(31119.87)
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