Disclaimer: All calculations are hypothetical and for illustration and educational purposes only. They are based upon your assumptions concerning, among other things, interest rates, inflation rates, tax rates, lost opportunity cost and rates of return. Since these assumptions are critical to the outcome of the illustrations, please review each of these assumptions and your understanding of general market and economic trends. The illustrations are dependent upon the quality and accuracy of the data furnished by you. The calculations are also based on the assumption that interest rates, inflation rates, rates of return, as well as current products, tax and other laws, and annual cash outlays, all of which are subject to change, will continue unchanged for the stated number of years. It is not likely that you will achieve the exact results illustrated in any of these calculations, since it is impossible to predict the future and the effect of possible changes to your individual situation. All data received is strictly confidential.