The Rule of 72
Estimate how long an investment may take to double at a fixed annual return.
Divide 72 by an assumed annual return. At 6%, money may double in roughly 12 years. This estimate does not account for fees or taxes.
≈ 12 years
Education Center
Understand the ideas behind the plan.
Clear financial decisions begin with clear explanations. Explore foundational concepts we frequently discuss with clients.
Dollar-Cost Averaging
Investing a consistent amount on a regular schedule through both rising and falling markets.
A fixed contribution buys fewer shares when prices are high and more when prices are low. This can reduce pressure to time the market, but it does not assure a profit or protect against loss.
The Three Tax Buckets
Taxable, tax-deferred, and potentially tax-free accounts each play a different role.
Coordinating all three categories can create more flexibility when deciding where retirement income should come from and when. Tax rules change, so individual guidance matters.
Retirement Income Planning
Turn savings, pensions, and Social Security into a coordinated income strategy.
A thoughtful plan considers essential spending, lifestyle goals, inflation, longevity, taxes, liquidity, and market risk—then aligns each need with an appropriate source of income.
Sequence of Returns Risk
Why the timing of market gains and losses matters more once withdrawals begin.
Two retirees can earn the same average return and still experience very different outcomes. Losses early in retirement, combined with ongoing withdrawals, may leave fewer assets available to participate in a recovery. A coordinated income plan can help reduce the need to sell investments during unfavorable markets.
Beneficiary & Estate Coordination
Make sure account titles, beneficiary choices, and estate documents work together.
A will or trust is only one part of a legacy plan. Retirement accounts, insurance policies, transfer-on-death instructions, property ownership, and powers of attorney should be reviewed together and after major life changes. Estate planning decisions should be coordinated with qualified legal and tax professionals.
Educational content is general in nature and is not a recommendation or guarantee of future results.
Financial Calculator
See what consistent investing could become.
Enter your current age to explore how an initial investment and ongoing contributions may grow, then see the effect of taking distributions while the remaining balance stays invested through age 100.
JEFFORDS WEALTH MANAGEMENTInvestment Growth & Distribution Projection25350 Magic Mountain Pkwy, Suite 300, Valencia, CA 91355 · (213) 698-8763 · info@jeffordswealth.com
Projected value at age 100$0
Total contributions$0
Total distributions$0
Estimated growth$0
For illustrative purposes only. Projects from the current age entered through age 100, assumes monthly compounding, contributions made until the distribution phase begins, and distributions taken monthly from the annual amount shown. Results do not reflect taxes, fees, inflation, changing returns, market volatility, or any guarantee of return. Distributions may reduce the account to zero.
Year-by-Year Projection
Annual activity and projected year-end balance
| Age | Phase | Contributions | Distributions | Growth | Ending Balance |
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