The resultins demonstrated in the guide are a result of real annualized returns run forward and backward as follows:

• Starting value of both portfolios: $1,000,000

• Annual withdrawal amount: $50,000

• Average annualized return: 7.17%

• Annualized returns by year:

Based on annualized S&P Returns

S&P 500 Index includes approximately 500 leading companies that covers approximately 80% of available U.S. equity market capitalization.