Equitable Retirement Guide vs The Retirement Planner

Whether you are a financial professional looking to fine-tune a client’s portfolio or a new investor, the Equitable Retirement Guide is here to help. We provide forward-looking tools and resources to help plan for a secure, fulfilling future. -Customize hypothetical scenarios -Access historical data in comprehensive charts and graphs -Create client-approved custom digital reports Explore Equitable’s suite of retirement strategies: -A level of volatility protection with Structured Capital Strategies PLUS® -Enhanced growth opportunities, a level of downside protection, and legacy benefits with Structured Capital Strategies® Premier -Guaranteed retirement income with Retirement Cornerstone® -Tax-efficiency with Investment Edge® -Retirement income with opportunities for an increase with Structured Capital Strategies® Income Download today for a simplified approach to financial planning. Download and use of this application is subject to our Privacy Policy and Usage agreement. A variable annuity is a long-term financial product designed to help you save for retirement. In essence, annuities are contractual agreements in which payment(s) are made to an insurance company, which agrees to pay out an income or a lump sum amount at a later date. Variable annuities are subject to market risk, including the possible loss of principal invested, and they have mortality and expense charges, account fees, investment management fees, administrative fees, charges for special contract features, and restrictions and limitations. Earnings are taxable as ordinary income when distributed and may be subject to a 10% additional tax if withdrawn before age 59½. Optional benefits are available for an extra charge in addition to the ongoing fees and expenses of the variable annuity.   When distributed outside of New York State by Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN) through Equitable Advisors Financial Professionals whose business address is not in New York State, or when distributed by Equitable Distributors, LLC through financial professionals of unaffiliated broker/dealers when the solicitation state is not New York, the Retirement Cornerstone®, Structured Capital Strategies PLUS®, Structured Capital Strategies® Premier, Structured Capital Strategies® Income and Investment Edge® variable annuities are issued by Equitable Financial Life Insurance Company of America (Equitable America), an AZ stock company with an administrative office located in Charlotte, NC. When offered by Equitable Advisors Financial Professionals whose business address is in New York State or when distributed by Equitable Distributors, LLC through financial professionals of unaffiliated broker/dealers when the solicitation state is New York, Retirement Cornerstone®, Structured Capital Strategies PLUS®, Structured Capital Strategies® Premier, Structured Capital Strategies® Income and Investment Edge® are issued by Equitable Financial Life Insurance Company (Equitable Financial) (NY, NY). The obligations of Equitable America and Equitable Financial are backed solely by their own claims-paying abilities. Equitable is the brand name of the retirement and protection subsidiaries of Equitable Holdings, Inc., including Equitable Financial Life Insurance Company (NY, NY); Equitable Financial Life Insurance Company of America, an AZ stock company with an administrative office located in Charlotte, NC; and Equitable Distributors, LLC. Equitable Advisors is the brand name of Equitable Advisors, LLC (member FINRA, SIPC) (Equitable Financial Advisors in MI & TN). GE-8700564.1 (1/26) (Exp. 1/30)

Retirement Planner will help you to determine if you have enough money to span your retirement. While the app is not a guarantee that you will have enough money for retirement, it is a great tool to forecast the amount of money you will have available throughout your retirement. It allows you to take an initial starting principal and input variables like assumed return rates and withdrawal rates and uses the current IRS tax tables to forecast your post-tax income each year. The app allows you to provide desired income to cover your expenses and allows you to select different desired incomes for phases of your retirement: early, mid, and late retirement. The ages for these phases of retirement are customizable so you can more accurately predict your expenses and income during these phases. The Retirement Planner will tell you if and when you're money will run out, so you can see if you are ready to retire. This app is a great tool to let you know if you are ready to enjoy the retirement phase of your life and finally leave the workplace for good!