My Plan — Waterfall Wealth

Financial Roadmap

Recommended Portfolio

Sammy's Assessment

Observations

Next Steps

Confidence: Basic

This plan is based only on your initial financial profile. Use the retirement planner for more detailed projections.

Retirement Plan

Portfolio Projection

Portfolio Only

Age	Year	Total Income	Earned Income	Benefits Income	Portfolio Income	Asset Income	Total Expenses	Lifestyle	Debt Payments	Tax, NIIT & Penalty	Total Assets	Portfolio	Available Funds	Other Assets	Debts	Yearly Change	Net Worth	Liquidate

Recommendations

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Important Disclosure

This retirement planner is an interactive financial planning tool provided by eSmeb Inc., an investment adviser registered with the U.S. Securities and Exchange Commission (SEC) that operates as an Internet Adviser—delivering investment advice and planning tools through this website under the supervision of eSmeb’s advisory personnel. Registration does not imply a certain level of skill or training.

Projections, charts, tables, and suggested input changes are generated from information you provide and are intended to help you evaluate your retirement plan. When you engage eSmeb’s advisory services, this analysis may inform planning recommendations and how your plan is implemented, subject to your advisory agreement and applicable suitability obligations.

All figures are forward-looking estimates, not guarantees. Results rely on simplified assumptions—including return rates, yield, savings, expenses, goal multipliers, timing, and simplified federal tax estimates—and may not reflect actual market performance, taxes, advisory or brokerage fees, inflation, sequence-of-returns risk, liquidity needs, or future changes in your circumstances. Tax projections are not tax advice. Past performance does not guarantee future results. Investing involves risk, including the possible loss of principal.

Waterfall Wealth LLC provides marketing services to eSmeb and does not provide investment advice. The accuracy and completeness of the information you enter affects the relevance of projections and any advice provided.

Enter the annual return you expect from each bucket, above inflation. These are real returns — if you expect 8% from the market and 3% inflation, enter 5%. A 5% yield means your purchasing power grows 5% per year after prices rise.

Yield

The overall yield is based on target yield of the portfolio buckets and the allocation to each bucket.

Choose Sleeve Yield Profiles

Target yield of the investments you choose for each bucket.


Defensive	1%	2%	3%
Core	3%	5%	7%
Growth	6%	8%	10%
Overall	—	—	—

Bucket yields

Defensive

Core

Growth

Choose Portfolio Allocation

This is what percentage of your portfolio is in each bucket.

Defensive	Core	Growth
10%	50%	40%
—	—	—
10%	70%	20%
5%	60%	35%
5%	45%	50%

Defensive

Core

Growth

Bucket Strategy

Expense-Based Bucket Strategy

Risk profile

Explore at age —

Pre Retirement

Withdrawal rules

Rule 1: Refill conditions

Only refill a bucket if the asset being sold is within 7% of its all-time high, OR the Defensive bucket contains only: Aggressive — 1 month remaining; Moderate — 3 months; Conservative — 6 months.

Rule 2: Core yield flow

Core portfolio yield flows into the Defensive bucket until the Defensive bucket is full.

Rule 3: Growth during drawdowns

Growth assets are generally not sold during major drawdowns.

Sammy Plan

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Plan

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Sammy Plan answers are generated by artificial intelligence using your saved retirement plan and projection. This content is for informational and educational purposes only and does not constitute personalized investment, tax, or legal advice.AI-generated content may contain errors or omissions. Projections are estimates, not guarantees. Consult a qualified tax, legal, or financial professional for advice specific to your situation.

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