9 Circles Calculator

Calculation Inputs

Current Age

Age of Death

Current IRA Value ($)

IRA Annual Growth Rate (%)

Annual Insurance Premium ($)

Pay premium out of RMDs

Client Tax Rate for Withdrawals (%)

Beneficiary Information

Life Insurance Death Benefit ($)

Charity Allocation for Family & Social (%)

Assumed Beneficiary Tax Rate

Federal (%)

State (%)

Projected Values

Future Asset Value: $0

Future Asset with Premiums: $0

Heirs

(Family and Friends)

Charity

(Social Legacy)

Taxes

(Financial Obligations)

Current Scenario:

Future asset value

$0 After-tax legacy

$0 Estimated Taxes

Family Scenario:

Future asset value with insurance premiums

Life insurance death benefit

$0 After-tax legacy + income tax-free death benefit

$0 Estimated Taxes

Family & Social Scenario:

Future asset value with insurance premiums

Life insurance death benefit

$0 Income tax-free death benefit

Current Age:
Age of Death:
Current IRA Value:
Growth Rate:
Annual Premium:

Life Insurance Death Benefit:
Charity Allocation:
Client Tax Rate:
Federal Tax Rate:
State Tax Rate:

9 Circles Calculator

Heirs

Charity

Taxes

Current Scenario:

Family Scenario:

Family & Social Scenario:

9 Circles Calculator

Client Information

Beneficiary & Tax Details

Current Scenario:

Family Scenario:

Family & Social: