Retirement planning
Helping you build your future.
Answer a few simple questions and get a clear estimate of what your financial future could look like. Once your plan is built, you will get a comprehensive estimate of your monthly income in retirement. If you want help mapping out your future, independent fiduciaries are ready to guide you along the way. Requesting a call costs nothing, and the sooner you start planning, the more choices you tend to have.
You have spent years working toward this goal, and you do not have to figure it out alone. No one can promise results, but a clear plan and the right guidance give your savings a better chance to keep growing.
Who we are
Okrent Capital is a referral company that only works with fiduciaries.
We do not manage money and we do not sell insurance or investments. Our job is to listen, then introduce you to an advisor who is a fiduciary and who takes the time to understand your situation. We are paid a referral fee by the advisor’s firm, so you should know that before you decide.
What is a fiduciary?
A fiduciary is a professional who is legally required to put your interests ahead of their own. They must recommend what is best for you, and they must tell you about conflicts of interest.
That matters because not everyone who sells financial products is held to the same standard. Depending on the product and the state, a seller may be allowed to recommend something that pays them more, as long as it meets the rules that apply to them. For a decision as big as your pension, you deserve someone on your side.
Three questions to ask any advisor
- "Are you a fiduciary, in writing, all the time?" The answer should be a simple yes.
- "How do you get paid?" Look for clear, upfront fees. Ask what you would pay in a year.
- "Do you earn more if I choose certain products?" If yes, ask why they recommend it anyway.
Talk to a person
Prefer to talk to someone first?
Your retirement plan
About you
Let's get to know you
We never ask for account numbers or Social Security numbers.
Your estimate
This is where you stand today, and it is a starting point. The choices you make from here, with the right guidance, can help your retirement grow stronger.
Numbers last updated October 22, 2026. Where our numbers come from
Step 1 of 3
Your current financial snapshot
A summary of what you have saved so far, based on your answers.
Step 2 of 3
Your financial status on retirement day
The day you finish working. If you use DROP, that is the day you leave DROP and your DROP money is paid out.
Your four payment choices
Choose an option
This choice is final once your pension payments begin. It decides what your pension pays, and to whom, after you pass away. The amounts here are our estimates, so confirm them with MyFRS before you decide.
Choose one.
Information about each option
Option 1
Pros
- The largest monthly check you can get.
- Simple to understand.
Cons
- Nothing is paid to anyone after you pass away.
- A spouse or family would lose that income right away.
Option 2
Pros
- Almost as large as Option 1.
- Gives your family a short safety net in the first 10 years.
- You can name anyone, not only a spouse.
Cons
- After 10 years there is nothing for your family.
- If you use DROP, the 10 years starts the day you enter DROP, not the day you finish it. Time spent in DROP counts toward the 10 years.
- Does not replace your income for a spouse over the long run.
Option 3
Pros
- Your spouse's income does not drop when you pass away.
- Paid by your pension plan, with no health test.
Cons
- The smallest check for you while you are alive.
- If your spouse passes away first, your check stays smaller.
- The person must qualify, such as a spouse.
Option 4
Pros
- A bigger check for you than Option 3.
- Your spouse still keeps two-thirds for life.
Cons
- Your spouse takes a pay cut when you pass away.
- If your spouse passes away first, your own check also drops to two-thirds.
Putting it all together
Your projected retirement income
Try different choices
Your answers are already applied. Change a setting to see what happens.
Your income above does not use a price-increase guess.
Choose one.
Estimates use today's federal tax brackets and the standard deduction. State income tax is not included. They do not include any special deductions for people 65 and older. Health insurance costs are shown separately. For example, an extra $6,000 deduction for people 65 and older applies for tax years 2025 through 2028 (it shrinks at higher incomes), and it is not counted here. You would draw 3.5% of your investments in the first year, then raise it with prices. Real taxes depend on your full situation.
Your budget
Can I afford to retire?
Notes
Protecting your family
Choosing a bigger check? Think about life insurance
This is education, not a recommendation to buy or avoid any policy. Pension checks are taxable income while life insurance benefits are generally not. A fiduciary advisor can compare real quotes with the cost of a survivor option for your situation. Learn more about term life, whole life and pension maximization.
Step 3 of 3
If you keep investing
Just because you are no longer working does not mean your money should stop working for you. This shows where your savings could be if you keep them invested, using the same growth rate as the rest of your plan. These are estimates, not promises.
Growth and risk
How your savings could grow
Your plan needs an assumption about how fast your investments will grow. The more your money can grow, the more it can also drop in a bad year. The right choice depends on when you need the money and how you would feel after a big drop.
Your plan uses the one you chose earlier. Tap another to compare.
Conservative and Moderate use growth rates below the historical averages on purpose. The past includes years when bonds paid much more than they do now, and real life includes fees, taxes and poor timing. Aggressive uses 10%, which is close to the long-run average for all stocks. Treat it as the hopeful case, not a safe bet. A plan that also works with modest growth is a stronger plan. Historical averages are from Vanguard data for 1926 to 2019 (stocks are U.S. stocks, bonds are U.S. bonds), before fees and taxes. This is education, not a recommendation. Your advisor can help you choose.
Your projected account growth
This takes the money you told us about and shows where it could be in the years ahead at the growth rate you chose above. These are estimates, not promises.
Your accounts, projected forward
What if the market bumps along the way?
What if the market bumps along the way?
Three possible paths
What each comfort level means for your monthly income
What this means for your monthly income
Your savings and Social Security add up to your monthly income. Here is what your chosen comfort level gives. Amounts you entered are used as you entered them, and your savings are grown at each comfort level's rate until you retire.
Meet an advisor
Share your plan with an advisor
Request a call
Tell us how to reach you. An independent fiduciary advisor will reach out. You are never required to work with anyone.
See exactly what will be shared with the advisor
Come back anytime
Save and compare your scenarios
A plan file lets you move your plan to another phone or computer. It contains the answers you entered, so keep it private. It never includes account numbers or Social Security numbers, because we never ask for them.
FRS guide
For Florida Retirement System members
Your FRS guide
Two ways to use this guide. Learn how the FRS pension, payment choices and DROP work, or enter your own numbers for a personal estimate.
Learn
The two FRS plans
Most FRS members are in one of two plans. You pay 3% of your pay into either one.
Pension Plan
A monthly check for life.
Pros
- The check comes from a formula: your years of service, your class, and your highest years of pay.
- It is paid for life, so you do not carry the market risk.
- DROP is only open to Pension Plan members.
Cons
- You must work 8 years to be vested if you joined on or after July 1, 2011 (6 years before that). Leave sooner and you may only get your own contributions back.
- The check is only as large as your years of service.
- The Legislature sets the rules and can change future benefits.
Investment Plan
Your own retirement account.
Pros
- You choose how the money is invested.
- You are vested after 1 year, and the account is yours to take with you.
- You can roll it into an IRA.
Cons
- Nothing is guaranteed. The balance goes up and down with the markets and your choices.
- No DROP.
- It is up to you to make the money last.
Members choose a plan when they start, and one later change is generally allowed. Confirm the deadlines and details with MyFRS. This guide mostly covers the Pension Plan and DROP.
Learn
Four ways to get your pension paid
When you retire you pick one. The more protection you give a loved one, the smaller your own check. The choice is final once your pension payments begin. Confirm the amounts with MyFRS before you decide.
Biggest check, for you only
Pros
- The largest monthly check you can get.
- Simple to understand.
Cons
- Nothing is paid to anyone after you pass away.
- A spouse or family would lose that income right away.
10-year guarantee
Pros
- Almost as large as Option 1.
- Gives your family a short safety net in the first 10 years.
- You can name anyone, not only a spouse.
Cons
- After 10 years there is nothing for your family.
- If you use DROP, the 10 years starts the day you enter DROP, not the day you finish it. Time spent in DROP counts toward the 10 years.
- Does not replace your income for a spouse over the long run.
Full protection for a loved one
Pros
- Your spouse's income does not drop when you pass away.
- Paid by your pension plan, with no health test.
Cons
- The smallest check for you while you are alive.
- If your spouse passes away first, your check stays smaller.
- The person must qualify, such as a spouse.
Two-thirds protection
Pros
- A bigger check for you than Option 3.
- Your spouse still keeps two-thirds for life.
Cons
- Your spouse takes a pay cut when you pass away.
- If your spouse passes away first, your own check also drops to two-thirds.
To see what each option would pay you, build your plan and go to "My plan."
Learn
DROP and your family's wealth
DROP is the Deferred Retirement Option Program. It works like an account that builds while you keep working. What you do with that money afterward can matter for generations.
How DROP works
- You reach your normal retirement point. You can then choose DROP instead of retiring.
- Your pension amount is locked in. More years of service no longer raise it. You keep working and keep your full paycheck.
- Each month the state puts your pension check into your DROP account. The account earns 4% a year, compounded monthly.
- You leave DROP and retire. You receive the whole DROP account as a lump sum, and you keep your monthly pension for life.
Most members can stay in DROP up to 8 years. Some K-12 instructional staff can stay up to 10. You must fully retire from every FRS employer when DROP ends.
Building family wealth with your DROP money
- Roll over the lump sum. Rolling it into an IRA keeps it from being taxed right away. Money paid straight to you is taxed as income, and 20% is held back.
- Give it a job. Some can fund your own retirement. Some can be set aside and left alone to grow for your children and grandchildren.
- Give it time. At 6% a year, money roughly doubles about every 12 years. Left alone for 36 years, that is about 8 times what you started with. This is simple math, not a promise.
- Plan where it is held. Roth money generally passes to heirs free of income tax. Traditional IRA money is taxed to the people who inherit it, and most heirs must empty it within 10 years.
Pros and cons of DROP
Pros of DROP
- You keep your full paycheck while your pension payments build up in your DROP account.
- Your DROP account earns a fixed 4% a year, compounded monthly.
- You stop paying the 3% FRS contribution while you are in DROP, so your take-home pay goes up.
- The lump sum can move into an IRA with no tax until you take money out.
- It can become the start of money that lasts for generations.
Cons of DROP
- Your pension amount is locked in on the day DROP starts. Extra years of service no longer add to it.
- Your payment option is locked in once DROP starts.
- When DROP ends you must fully retire from every FRS employer. Going back to work for an FRS employer is not allowed during the first six calendar months after you retire.
- A lump sum paid to you is taxed as income, and 20% is held back right away. Rolling it over avoids that.
- You must decide what to do with a large sum. That is a good moment to have a fiduciary beside you.
A fiduciary advisor can help you choose where to hold the money, how to name beneficiaries, and whether insurance or a trust fits your family. This is education, not advice.
Run my numbers
Your FRS numbers
Answer these to see your pension and DROP without building the full plan. They are the same questions as in "Build my plan," and your answers are shared, so you only enter them once.
Next: your payment choice
How do you want your pension paid?
Tap an option to see your monthly check. Tap another to switch any time. This choice is final once your pension payments begin. The same choice shows in My plan.
Build your plan first. Then your pension and DROP numbers appear here.
Deferred Retirement Option Program (DROP)
Are you planning to use DROP?
Choose one.
Your FRS pension
What your pension could pay you every month
How we got this
Your DROP numbers
Optional: for your family
See how your DROP can create generational wealth
Value of the money you set aside, in the years after DROP
Ways families make this last
Money in a Roth account generally passes to heirs free of income tax. Money in a traditional IRA is taxed to the people who inherit it, and most heirs must empty it within 10 years.
A fiduciary can help you choose where to hold the money, how to name beneficiaries, and whether life insurance or a trust fits your family.
Starts at the growth rate in your plan, and you can change it here without changing the rest of your plan. Hypothetical, not a promise.
Next step
Want the full picture?
Your answers carry over, so you will not start from scratch. The full plan adds Social Security, health costs, taxes and your other savings.
Life insurance
Protecting your family
Life insurance
Life insurance pays your family a lump sum if you die, and that money is generally not taxed as income. There are two main kinds, term and whole life, and a third called universal life. Here is what each one is, along with its pros and cons.
The main kinds
Term life and whole life
Term life
What it is. You pick a number of years, such as 10, 20 or 30. If you die during those years, your family is paid. If you outlive the term, the coverage simply ends.
Usually fits: the years when people depend on your income, such as a mortgage or children at home.
Pros
- Lowest cost for a large amount of coverage.
- Easy to understand and to compare quotes.
- Lets you cover the busy years without overpaying for coverage you may not need later.
Cons
- Coverage ends when the term ends.
- Starting over later costs more, because you are older, and it may not be available if your health has changed.
- No cash value. If you outlive the term, you get nothing back.
Whole life
What it is. Coverage for your whole life, as long as you keep paying. The payment stays level, and part of it builds a cash value you can borrow against or take out.
Usually fits: money that needs to be there whenever you pass away, such as final expenses or an inheritance.
Pros
- Lasts your whole life, so it never runs out.
- Level payments that do not go up with age.
- Cash value that grows at a guaranteed minimum rate. The guarantee is only as strong as the insurance company behind it. It can leave money to your family or cover final expenses.
Cons
- A much higher payment for the same amount of coverage.
- Cash value builds slowly at first, and cashing out early can cost you.
- More complex, so it is harder to judge whether the price is fair.
Universal life
What it is. A flexible kind of permanent coverage. You can change the payment and, in some policies, the amount of coverage. It also builds cash value.
Usually fits: people who want permanent coverage and a bit of flexibility, and who will keep it funded.
Pros
- Flexible payments and, in some policies, a flexible death benefit.
- Can last your whole life if it is funded enough.
- Usually costs less than whole life at the start.
Cons
- If you pay too little, the policy can run out of money and end.
- Costs and the cash value growth rate can change, and are often not guaranteed.
- More moving parts, so it is harder to compare.
Many families use a mix: term coverage for the busy years and a smaller permanent policy for the long run. The right answer depends on your family, your pension and savings, and your budget. This page is education, not a recommendation to buy or avoid any policy.
Buy while you are healthy
Insurance companies look at your health, and the cost goes up with age. Insurance companies may also ask about your job and hobbies. Getting quotes earlier gives you more choices.
Check coverage from work
Group life insurance through your employer often ends when you separate or retire. Do not count on it unless you have confirmed it continues.
Why it is different for you
Your pension changes the life insurance question
Your pension is the foundation. Many people buy life insurance to replace a paycheck. You already have a lifetime check coming from a pension plan such as the Florida Retirement System (FRS). The real question is what happens to that check when you pass away.
You choose a survivor option once. Option 1 pays you the most and stops when you die. Options 3 and 4 pay a smaller check to you so that a check continues for your spouse. Option 2 guarantees payments for 10 years. Once your first check is cashed, the choice is permanent.
Where life insurance can help
- During your working years, when you may have a mortgage and young children.
- When a spouse or child would struggle without your income.
- As a replacement for part or all of the survivor benefit (see pension maximization below).
- To leave money to children or grandchildren, which a pension cannot do.
An idea worth understanding: pension maximization
Take the biggest pension check for yourself, then use life insurance to protect your spouse instead of using a survivor option.
Step 1. You choose Option 1, the largest monthly check, which stops when you die.
Step 2. You use part of that extra money each month to pay for a life insurance policy that lasts your whole life.
Step 3. If you die first, your spouse receives the insurance money as one lump sum, which they can invest or use to create income.
The comparison. This only makes sense if the policy costs less each month than the amount a survivor option takes from your check. That is why a real quote matters.
Cons to consider
- The policy must stay in force for life. If it lapses, your spouse gets nothing.
- You must pass a health exam, and your health can change before you apply.
- Pension checks are taxable income. Life insurance benefits are generally not taxed as income.
- A survivor option is paid by your pension plan and needs no exam. Insurance depends on the company and on you paying on time.
- Your pension option is permanent, so you must decide before your first check.
Why go through a fiduciary
Life insurance is one of the few products where the seller's pay depends on what you buy.
A fiduciary is legally required to put your interests ahead of their own and to tell you about conflicts of interest. With life insurance, that matters more than almost anywhere else, because of how the person who opens your policy gets paid.
How the person who opens your policy gets paid
- 1You pay the insurance company. Your premium goes to the company every month or every year.
- 2The company pays the agent a commission. The commission is a percentage of your premium. The biggest part is usually paid in the first year, and it can be well over half of that first year's premium. The amount varies by company and by policy.
- 3A bigger premium usually means a bigger commission. Whole life premiums are several times higher than term premiums for the same coverage. So an agent can earn far more by selling you the more expensive policy, even when the cheaper one might fit you better.
That does not make every agent dishonest. It means the person recommending a policy may be paid more for one choice than another, and you cannot see that from the sales pitch. You deserve to work with someone who has a legal duty to put your interests first, and who tells you how they are paid.
That is why we only refer you to fiduciaries. Okrent Capital does not sell insurance. We introduce you to a fiduciary advisor who compares real quotes for you, explains the trade-offs, and works for you.
Talk to a fiduciary
Request a life insurance conversation
Tell us how to reach you. A fiduciary advisor will call to learn what you need and compare real quotes for you. There are no questions to answer here, and we do not ask about your health.
Okrent Capital is a referral company and does not sell insurance. A fiduciary advisor can compare real quotes for your situation. That includes comparing a policy with the cost of a pension survivor option. See the Disclosures tab.
Our advisors
Our advisors
Advisors who put your interests first
Fiduciary
Legally required to put your interests ahead of their own, and to tell you about conflicts of interest.
Why it matters: Advice is only as good as the incentive behind it. When an advisor has a legal duty to you, a recommendation should not be shaped by what pays them more.
Certified Financial Planner™ (CFP®)
Has met the CFP Board’s education, exam, experience and ethics requirements, and must act as a fiduciary when giving financial advice.
Why it matters: Retirement touches everything at once: investments, taxes, insurance, Social Security and what you leave behind. A Certified Financial Planner™ is trained and tested across all of them, so your plan is built as one picture instead of in pieces.
Certified Public Accountant (CPA)
Licensed by a state board of accountancy. Brings tax expertise to your plan, such as which accounts to draw from first and how Social Security and pensions are taxed.
Why it matters: Taxes can take a large share of retirement income, and the order you take money out can change the bill. Tax rules also decide things like Medicare premium surcharges. A CPA helps you plan these choices ahead of time, so you can keep more of what you have earned.
Retirement Income Certified Professional® (RICP®)
Awarded by The American College of Financial Services. Focused on turning savings, pensions and Social Security into income that lasts.
Why it matters: Living on your savings is a different job from building them. The risks are outliving your money, rising prices, a market drop early in retirement, health costs, and when to claim Social Security or how to take a pension. The Retirement Income Certified Professional® program is built around those decisions.
Credentials are as reported to us by our advisors. Please confirm them yourself using the links below. CFP®, Certified Financial Planner™ and the CFP® logo are certification marks owned by Certified Financial Planner Board of Standards, Inc. Retirement Income Certified Professional® and RICP® are registered marks of The American College of Financial Services. Okrent Capital is not affiliated with either organization.
What they help with
- Retirement incomeTurning your pension, savings and Social Security into monthly income you can count on.
- Pension decisionsPension Plan or Investment Plan, the Deferred Retirement Option Program (DROP), and which payment option fits your family, including for the Florida Retirement System.
- Social Security timingWhen to claim, and how it fits with your other income.
- Investment managementBuilding and managing a portfolio that matches your goals and your comfort with risk.
- Tax planningWhich accounts to draw from, and when, to keep more of what you earn. This includes required withdrawals from pre-tax accounts and whether a Roth conversion makes sense.
- Insurance planningLife insurance, long-term care coverage and annuities, compared across companies.
- Protecting what you have builtRisk management and wealth preservation, so one surprise does not undo your plan.
- What you leave behindBuilding generational wealth, and planning how it passes to your children and grandchildren.
- Business ownersSuccession planning and tax strategies for owners and professionals.
- Everyday planningBudgeting, cash flow, and saving for a child’s education.
These services are provided by the independent advisors, not by Okrent Capital. What each advisor offers, and what it costs, can differ. Some advisors are also licensed to sell insurance and annuities and may be paid commissions on them, separate from their advisory fees. Read “Referrals and pay” in our disclosures.
Check for yourself
Don’t take our word for it. Verify it.
Questions to ask before you hire anyone
- Which credentials do you personally hold, and who else would work on my plan? Our advisors work as a team, so credentials may be spread across more than one person.
- Are you a fiduciary, in writing? The answer should be a plain yes.
- How are you paid? Ask for the fee in dollars for your situation, not just a percentage.
- Do you earn more if I choose one product over another? A fiduciary will answer plainly.
- Can I see your Form ADV and Form CRS? Registered advisors must give you both.
How Okrent Capital is paid is explained in our disclosures, under “Referrals and pay.”
Important disclosures
Please read
Important disclosures
Last updated October 22, 2026. We wrote these in plain language on purpose. They matter.
Everything here is an estimate. The numbers come from the information you enter and from assumptions about investment growth, inflation, pay raises, taxes, life expectancy and Social Security. If any assumption turns out wrong, your real results will be different, and they could be very different.
Nothing is a promise or a guarantee. Past market performance does not predict future results. Investments can lose value, including the money you put in. No result on this site is guaranteed.
This is education, not advice. Okrent Capital is a referral company. We are not an investment adviser, broker-dealer, insurance agency, accountant or attorney. Nothing on this site is investment, insurance, tax, legal or financial advice. Nothing here is a recommendation to buy, sell or hold any investment, to buy any insurance, or to choose any pension payment option or DROP.
Your official benefits come from your own retirement plan. If you are in the Florida Retirement System (FRS), rules, rates and laws change, and our pension, payment option and Deferred Retirement Option Program (DROP) figures are simplified estimates. Before you decide anything, request an official estimate from MyFRS (myfrs.com, 1-866-446-9377) and your employer. If your pension is outside the FRS, we use the amount you give us and do not check it. Some FRS choices cannot be changed once they are final.
Every number can be traced. The "How we got this" buttons show the steps and assumptions behind each estimate. Showing the steps does not make an estimate exact.
Taxes and Social Security are simplified. Tax estimates use federal brackets, include state income tax for states that have none and for the states our results page marks as included (we add a state only after checking its own revenue department’s rules), leave out state tax for every other state, and leave out many deductions, credits, Medicare costs, local rules and future law changes. Required withdrawal and Roth conversion figures are estimates that use the IRS table and today’s tax brackets, and they look at one year at a time. Social Security estimates use the Social Security Administration’s published 2027 formula, its full retirement age table, and its early and late claiming rules. What we cannot see is your real earnings record, so your own statement at ssa.gov is still the best number.
Health insurance costs are estimates. Before age 65 we use a national average price for a marketplace plan unless you tell us your own cost. After 65 we use the 2026 Medicare Part B premium, an average Part D premium, and the higher-income surcharge where it applies. We do not include deductibles, copays, prescriptions, dental, vision, hearing or long-term care. Prices change every year and vary by state and plan, so your real costs will be different.
Market history is for illustration. The index returns shown are historical. You cannot invest in an index directly, and fees and taxes would lower real results. Conservative, moderate and aggressive mixes are examples, not recommendations. Different investments carry different risks.
Referrals and pay. We introduce you to independent advisors whom we require to act as fiduciaries. We do not employ, control or supervise them, and we do not guarantee their advice, services or results. Okrent Capital is paid a fee by the advisor’s firm for referrals. You do not pay Okrent Capital anything. Because we are paid for the introduction, and the advisor’s firm benefits if you become a client, please weigh our introduction with that in mind. The advisor’s firm will tell you who it is when it contacts you. You can ask them at any time how they and Okrent Capital are paid, and the Form ADV and Form CRS that registered advisors must give you explain how they are paid. You are never required to work with any firm.
Insurance and annuities. Okrent Capital does not sell insurance or annuities. Some advisors we introduce you to are also licensed to sell them, and may be paid commissions by insurance companies, separate from their advisory fees. Ask any advisor, before you buy, how they are paid on a product and whether a lower-cost choice would fit you. Different rules can apply to selling an insurance or annuity product than to giving investment advice, so ask whether the advisor is acting as a fiduciary for that product.
Your information. Please do not enter account numbers or Social Security numbers anywhere on this site. Your answers stay in your browser while you use the plan. If you choose to save a scenario, it is kept in this browser on this device until you delete it, and we never receive it. If you request a call, the details you enter, including your name, phone number, email and plan summary, are sent through our website host to Okrent Capital and to the advisor’s firm, so an advisor who is a fiduciary can reach you. We do not sell your information. We use it only to arrange the introduction you asked for and to contact you about it, and we keep it only as long as we need it for that and to meet legal and business requirements. This site is meant for adults 18 and older, and we do not knowingly collect information from children. The advisor’s firm will have its own privacy policy, and you can ask to see it. We do not use advertising or analytics trackers on this site. Your browser does load fonts from Google, so Google can see that your browser visited. To see, correct or delete what you sent us, use the request-a-call form and tell us what you need.
Using this site. This site is for general education. Using it does not make you a client of Okrent Capital or of any advisor, and it does not create an advisory relationship. Figures and links to other websites can change or go out of date, and we are not responsible for other sites. We update the numbers on a regular schedule (see “Where our numbers come from”) and may change the site at any time. Florida law governs your use of this site. If any part of this site is hard for you to use, tell us through the request-a-call form and we will work to help you.
Use your own judgment. Do not rely on this site as the only basis for any financial decision. Talk with a licensed professional about your own situation. To the fullest extent the law allows, Okrent Capital and its owners are not responsible for decisions made or results experienced based on this site.
Our sources
Where our numbers come from
Numbers last updated October 22, 2026. We check these every January, and again each fall when the IRS, Social Security and Medicare publish next year’s amounts. We also review them regularly for changes in the law. When a figure changes, we update the site and this date.
The growth rates in your plan (Conservative 4%, Moderate 6%, Aggressive 10%) are planning assumptions, not forecasts. Real markets rise and fall, and you can lose money. Your own statements from Social Security and your pension plan are always more accurate than our estimates.