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Yes. The free retirement calculator is available for download in Microsoft excel format.

Retirement Calculator Methodology Disclosure Last updated: May 14, 2025 This disclosure describes the methodology, assumptions, inputs and limitations of the Covenant Wealth Advisors Retirement Savings and Distribution Calculator (the “Calculator”). It is provided for compliance and transparency purposes. 1. Purpose The Calculator is designed to provide a model-based projection of retirement account balances and withdrawal requirements over time. It is intended for illustrative and planning purposes only and should not be construed as personalized financial advice. Users should consult a qualified financial advisor before making decisions. 2. Eligible Users This tool is aimed at: Individuals planning for retirement. Educators illustrating retirement‐planning concepts. It is not intended for: Sophisticated actuarial valuations. Guaranteed performance forecasts. Determining suitability of specific investment products. Professional financial advisors. 3. User Inputs The following inputs (cells B6, E6, G6, I6, B8, E8, G8, I8, B10, E10) are editable by the user: B6 Current Combined Retirement Savings ($)Total balance across all retirement accounts at present. E6 Current Age (years)User’s present age. G6 Annual Pre-Retirement Contribution ($)Total planned contributions per year until retirement. I6 First-Year Retirement Withdrawal ($)Dollar amount planned to withdraw in the first year of retirement (pre-tax). B8 Retirement Age (years)Age at which contributions cease and withdrawals commence. E8 Pre-Retirement Portfolio Return (% after taxes)Assumed net annual rate of return before retirement (after federal income tax). G8 Post-Retirement Portfolio Return (% after taxes)Assumed net annual rate of return during retirement (after federal income tax). I8 Annual Inflation Rate (%)General inflation rate applied to withdrawals in subsequent retirement years. B10 Federal Income Tax Rate on Withdrawals (%)Flat rate applied to each year’s withdrawal to estimate after-tax distributions. E10 Additional Growth Assumption (%)(Optional) Adjustment for fees, state taxes, or other factors. All inputs must be non-negative numeric values with the exception of the first year retirement withdrawal. Contributions and withdrawal amounts are treated as end-of-year cashflows. 4. Projection Methodology 4.1 Accumulation Phase (Pre-Retirement) Starting Balance: Uses the current combined retirement savings (cell B6). Annual Loop (Age = Current Age to Retirement Age − 1) Growth: Prior year’s ending balance grows by the pre-retirement return rate (cell E8). Contribution: End-of-year contribution (cell G6) is added. Transition Year (Age = Retirement Age) No contributions are applied. Balance still grows by the last pre-retirement return assumption if defined. 4.2 Distribution Phase (Post-Retirement) First-Year Withdrawal: In the year the user reaches retirement age (cell B8), the calculator withdraws the specified first-year amount (cell I6). Subsequent Withdrawals: Each subsequent year’s withdrawal is escalated by the inflation rate (cell I8), compounded annually. Annual Loop (Age = Retirement Age + 1 onward) Growth: Remaining balance from prior year grows by the post-retirement return rate (cell G8). Withdrawal: Inflation-adjusted withdrawal is deducted at year-end. After-Tax Withdrawal: Each year’s pre-tax withdrawal is multiplied by (1 − tax rate, cell B10) to derive the net distribution to the user. 4.3 Formulaic Implementation Account Balance at end of year t: Balance_t = Balance_{t−1} × (1 + r_t) + Contribution_t − Withdrawal_t where r_t = pre- or post-retirement return rate, depending on age. Contribution_t = G6 if age < B8, otherwise 0. Withdrawal_t = Inflation‐adjusted withdrawal if age ≥ B8, otherwise 0. Withdrawal Rate in year t: Rate_t = Withdrawal_t after tax / Balance_t All formulas are applied row-by-row in the calculator’s spreadsheet, starting at the user’s current age and extending through a user-defined projection horizon (default set to age 100). 5. Key Assumptions & Limitations Flat Rates: Return, inflation, and tax rates remain constant in real terms. Linear Contributions/Withdrawals: All cashflows occur at year-end; monthly or irregular timing is not modeled. Single Tax Rate: Only a flat federal income tax rate on withdrawals is included (no bracketed or state taxes). No Sequence-of-Returns Risk: The model assumes average returns apply uniformly each year; it does not account for volatility’s order impacts. No Fees or Expenses: Except as captured (optionally) in “Additional Growth Assumption,” investment management fees and administrative costs are excluded. Longevity Cap: Projection stops at age 100 by default; users may extend or shorten manually. 6. Data Sources Return Assumptions: User entered but generally based on historical U.S. equity and fixed‐income performance (1926–2024). Inflation: User entered but generally aligned with CPI-U historical averages published by the U.S. Bureau of Labor Statistics. Tax Rates: Reflect the average estimated tax rate for the user. 7. Compliance Statement This Calculator is provided “as-is” and does not constitute investment, tax, legal or accounting advice. While Covenant Wealth Advisors makes reasonable efforts to ensure the accuracy of the underlying formulas and data, future performance is inherently uncertain. Users must consult their own advisors before acting on Calculator results. Covenant Wealth Advisors disclaims all liability for any loss or damage arising from use of this tool. If you have questions about this methodology or require a customized projection, please contact your Covenant Wealth Advisors representative.