Total Economic WealthPlanning Tools

Planning calculators

Interactive models to explore how taxes, fees, and strategy choices shape long-term wealth.

Managed Account vs. VUL

After-tax growth of a taxable managed account next to a VUL illustration: living value, legacy value, and rate of return.

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Federal Estate Tax

Projected estate tax exposure year by year under current law, with joint life expectancy and the liquidity heirs will need.

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Premium Financing

Upload a carrier illustration and compare paying premiums out of pocket with premium financing: loan, interest, collateral and net death benefit.

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Compounding

How steady savings grow over time, what you keep in a taxable, tax-deferred or tax-free account, and the cost of waiting.

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Buy Term & Invest the Difference or Permanent Policy

Term insurance plus a managed account versus a permanent policy, from the carrier illustrations: money you can use, and what your family receives.

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Real Estate Return

The real net return on a residential rental or a commercial net-lease property after financing, expenses and taxes, and whether to keep it or invest the equity elsewhere.

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