Retirement Realities
An instruction or question you use to ask Copilot to perform a specific task such as summarizing, editing or creating content.
What is a prompt? (add to potpourri)
The central location where you’ll enter all of the details the Planner then uses to develop a more comprehensive plan.
What is the financial blueprint?
The official name given to the rate that banks charge to lend money to other banks. This rate was reduced three times in 2024 and currently sits in the range of 4.50% - 4.75%.
What is the Fed Funds Rate? (macro category)
Individuals who are permitted to make penalty-free distributions from their retirement accounts. The distribution can be up to the greater of $10,000 or 50% of the account balance and requires no documentation
Who are victims of domestic violence?
The music band with the most Billboard #1 hits of all time.
Who are the Beatles?
The online location where you can find useful content and resources specific to your plan.
What is the sell
These allow you to explore different scenarios and see the impact on your savings over time.
What are “What if” scenarios?
This measure of US productivity increased by an annualized rate of 2.8% in the 3rd quarter of 2024.
What is the Gross Domestic Product (GDP)?
Secure 2.0 created this new limit in 2025 for participants age 60-63.
What is $34,750?
Adjusting for inflation, this person became a millionaire by age 25.
Who is Warren Buffet?
In 1875, this company established the first private pension program in the U.S.
Who is American Express?
This shows how likely it is that your savings will last throughout your retirement and tracks your likelihood of achieving your retirement goals.
What is “Chance of Success” score?
From 1990 to 2008, this country’s labor force grew by 145 million which is roughly the same size as the entire US labor force.
What is China?
Secure 2.0 allows a beneficiary of a 529 account to transfer assets directly into this type of retirement plan.
What is a ROTH IRA?
The name of a famous pop star’s boyfriend who plays for the Kansas City Chiefs
Who is Travis Kelsey?
The new contribution limit available in 2025 for anyone age 60-63.
What is $34,750?
This is running 1,000 hypothetical market return scenarios to help determine a realistic range for your projected savings outcomes.
What is a Monte Carlo Simulation?
This rate is still low at 4.2% as the broader economy has been growing at a stronger pace than initially expected competing fund.
What is the U.S. unemployment rate?
True or False: If someone has two W-2s and both are below $145k individually but when added together are over $145k, their CU contributions in 2025 will have to be made as ROTH.
What is False?
What was the highest grossing movie for 2024
What is Inside Out 2 (Worldwide gross was 1.6 Billion)
The Secure Act eliminated RMDs for Roth account holders except for these type of accounts
What are beneficiary accounts?
The helps guide you to make your projections more accurate by providing you with a “priority to do list.”
What is a digital coach? (or What are digital coach suggestions?)
This is the number of years it would take to break even if you started taking Social Security benefits at age 62 versus age 65.
What is 15 years or age 77?
Under the 603 section of Secure 2.0 that requires 50+ contributions be made via Roth contributions for individuals with wages greater than?
What is 145k?
During the “Roaring Twenties” Nationwide sold its first insurance policy in this year?
What is 1926?