Retirement Calculator Disclaimer

Important Information: please read and scroll to the bottom to acknowledge and continue.

This report is based upon information that you have supplied. In reviewing or relying upon this report, it is important that you understand the nature of the report, its benefits and limitations. Therefore, we urge you to review the following information:

  • The suggestions contained in this report are based on the information you provided. If any information is incorrect, please notify your representative. LPL does not guarantee the accuracy or completeness of this report. Since the information is based upon a single point in time, as your situation changes, the suggestions may also change. It is important that you keep your financial representative apprised of all material changes in your personal situation.

  • This report is meant for informational purposes only, and does not replace the statement(s) and/or reports you should receive directly from the respective product providers, program sponsors, or custodians of your assets. Please note that any projections or amounts contained in the report are not intended to be exact. These figures, especially the projections, are assumed figures and should only be used as guidelines, given general assumptions. Under no circumstances are projections guaranteed. Historical information represents past performance and is not indicative of future results. Your own investment may perform better or worse than the examples. The report is not intended as advertisement or sales literature. The report has not been prepared as an investment recommendation and is not intended as investment advice. Performance information generated by the report may be dependent on the “cost basis” of the investments in your accounts, and such performance information will vary based upon the cost basis provided by you. Your performance information may show a higher or lower level of return depending your cost basis. Performance information, as presented in your report, may be net (less) of fees and expenses. However, some performance information contained in your report may not reflect the deduction of all fees and expenses. Therefore, some performance information in your report may show a higher level of return than would be the case if all fees and expenses were deducted from your account(s). The performance information contained in your report has not been independently verified. You cannot invest directly in an index.

  • This report is not intended for tax, lending, legal, or other non-planning purposes and should not be relied upon by third parties. Tax rates and rates of return are used for illustrative purposed only, and do not represent a guarantee of actual federal or state tax rates, or the performance of any specific investment. For legal and tax matters, it is important that you consult with your legal and tax advisers. NPC does not provide legal and tax advice. Please consult with your personal legal and tax advisers to determine the consequences of federal, state, and local taxes, and for a more detailed assessment of the tax consequences for your particular circumstances.

  • As part of this report, your representative may recommend investment or financial products. Presentations of variable annuities, variable life insurance, mutual funds, and certain other investment securities are authorized only in conjunction with, or preceded by, a current prospectus. Sales charges and other material information will be described in the product’s current prospectus. Investors should consider the investment objectives, risks, charges, and expenses of the investment company carefully before investing. This, as well as other important information, is contained in the prospectus. Please read it carefully before investing or sending money. For more information, or to request a prospectus, contact your investment representative.

  • Many retirement plans, pursuant the Internal Revenue Code, have a tax deferral feature. In addition, most annuities have a tax deferral feature. As a result, if you use an annuity to fund a retirement plan that is tax-deferred, your annuity will not provide any additional tax deferral for the retirement plan. If you are considering the selection of a college savings plan (i.e. 529 Plan) you may want to consider your own state’s plan and any state income tax benefit that it offers. Remember, with respect to your personal tax planning, you should your tax adviser.

If you have any questions about this information or your investment, please consult with your financial representative.