Effective Date: April 29, 2026
Not Financial or Investment Advice
This calculator and all content on this Site are provided for educational and informational purposes only. Nothing on this Site should be interpreted as personalized financial advice, investment advice, retirement planning advice, or a recommendation to buy, sell, or hold any financial product or security.
The operators of this Site are not registered investment advisors, broker-dealers, or financial planners. No information presented here is intended to serve as a substitute for consultation with a qualified, licensed financial professional who understands your complete financial picture.
Not Insurance Advice
This Site may reference insurance products — including annuities — in a general, educational context. Such references do not constitute an offer, solicitation, or recommendation to purchase any insurance product. Insurance products vary significantly by issuer, state, and individual circumstances. Only a licensed insurance professional who has reviewed your full financial situation can determine whether a particular insurance product may be appropriate for you.
Results Are Estimates, Not Guarantees
The risk score generated by this calculator is an estimate based solely on the information you enter. It is calculated using a simplified scoring model and does not account for the full complexity of your financial situation, tax obligations, health considerations, estate planning needs, or other relevant factors.
The score and tier (Low, Moderate, or High Risk) are intended to prompt general awareness and conversation — not to predict, guarantee, or project any specific financial outcome. Actual retirement outcomes are affected by many variables that no calculator can reliably predict.
Annuities and Fixed Indexed Annuities — Important Notice
This Site may reference annuities, including fixed indexed annuities (FIAs), as strategies some retirees consider. You should be aware of the following before considering any annuity product:
- Annuities are insurance contracts, not securities, and are subject to insurance company financial strength and claims-paying ability.
- Fixed indexed annuities are not stock market investments. Returns are based on the performance of a market index subject to caps, spreads, and participation rates set by the insurer, which can change over time.
- Annuities typically involve surrender charges that apply if you withdraw funds during the surrender period, which can last several years.
- Annuity earnings grow tax-deferred. Withdrawals are subject to ordinary income tax and, if taken before age 59½, may be subject to a 10% IRS early withdrawal penalty.
- The benefits of any annuity are guaranteed only by the financial strength of the issuing insurance company. They are not guaranteed by the FDIC, SIPC, or any government agency.
- Not all annuity products are available in all states.
This is not a complete description of any annuity product. Always read the full contract, disclosure documents, and applicable state filing before purchasing any annuity.
No Fiduciary Relationship
Use of this Site does not create any fiduciary, advisory, or professional relationship between you and the operators of this Site. Any licensed professional who contacts you following your form submission is an independent party and is not acting as an agent or representative of this Site.
Market Risk and Volatility
References to market risk, potential market downturns, or historical market behavior on this Site are for general educational context only. Past market performance does not guarantee future results. All investing involves risk, including the possible loss of principal.
Consult a Licensed Professional
Before making any financial, retirement planning, or insurance decision, you should consult with one or more of the following:
- A licensed financial advisor or investment advisor registered with the appropriate regulatory authority.
- A licensed insurance agent or broker in your state.
- A qualified tax professional or CPA for tax-related questions.
- An attorney for legal and estate planning matters.
Accuracy of Information
We make reasonable efforts to ensure the information on this Site is accurate and up-to-date, but we make no warranties or representations of any kind regarding completeness, accuracy, or suitability for any particular purpose. Tax laws, Social Security rules, and financial regulations change frequently and the content on this Site may not reflect the most current developments.
Contact
Questions about this Disclaimer may be directed to:
Determined Solutions Durham LLC
4823 Marborough Way
Durham, NC 27713
Email: seo@determinedsolutions.com