How do I incorporate future retirement income like a pension or social security into a client’s Elements profile?

Abby Morton
Abby Morton

Currently there is no place in the system to enter a future stream of income like a pension or social security. Instead, the future income stream will affect your assessment of certain Elements scores.


For example, a generally good Total Term (Tt) score to work towards with many clients is 30 (meaning 30 years of living based on current net worth and spending). However, for someone with a future stream of income like a pension that replaces 50% of their income, you could adjust the target Tt score to 15. This would make the assessment of the score more realistic as you’re incorporating future cash flows that will supplement portfolio distributions.

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