Page 79 - Sample Financial Plan 4-1-2019 v2

Securities and investment advisory services offered through Woodbury Financial Services, Inc. (WFS),
member FINRA/SIPC. WFS is separately owned and other entities and/or marketing names, products, or
services referenced here are independent of WFS.

Maximized Filing Dates

files for retirement benefits in Jun 2046, the year John
John turns 70 Jun 2046

files for retirement benefits in Jun 2049, the year Jane
Jane turns 70 Jun 2049

files for widow(er)'s benefits in Dec 2071, the year Jane
Jane turns 92 Dec 2071

What-If Filing Dates

• John files for retirement benefits in Jun 2043, the year John turns 67
• Jane files for retirement benefits in Jun 2046, the year Jane turns 67
• Jane files for widow(er)'s benefits in Dec 2071, the year Jane turns 92

What-If Filing Dates Summary
Name Retirement Spousal Survivor Present Value
John: Jun 2043 (67) N/A N/A $445,873
Jane: Jun 2046 (67) N/A Dec 2071 (92) $302,554
Total: $748,427

Maximized Filing Dates Summary

Name Retirement Spousal Survivor Present Value
John: Jun 2046 (70) N/A N/A $471,989
Jane: Jun 2049 (70) N/A Dec 2071 (92) $321,180
Total: $793,169

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