You don't need a crystal ball to see the future, you need a retirement planner that you can easily adjust to account for the many variables in your life. Want to get married? Go back to school? Buy a house? What if you want to take time off from the workforce? What if the market is poor?

Using aspects of your current financial profile – taxes, planned financial events, yearly income, projected Social Security, IRAs and other investments – WealthRuler will graph your retirement outlook and show you if and when you may encounter a shortfall.

Adjust for changing circumstances

Not satisfied with the results of your current profile? What if you increase your monthly savings? Is it time to re-evaluate your investment allocation? WealthRuler lets you refine and edit your financial profile to see how various real-world scenarios, including market conditions, will impact your assets over time and at retirement – so you can take concrete steps today to help you stay on track.

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Your individual plan

As a TD AMERITRADE client, you'll not only get the benefits described above, you can use WealthRuler to develop a personal action plan for your account that provides suggestions on the next steps to take and tools you may be interested in. You'll also be able to save your information so you can come back and refine it whenever you choose.

WealthRuler does not make specific asset class or security recommendations. Users enter criteria including desired retirement age, income and planned expense information, plan end date, and current value and allocation percentages of stocks, bonds and cash. The tool classifies a user into one of five portfolio strategy/risk tolerance models. These models, combined with time horizon, determine the return and risk assumptions used in the calculations. The tool runs multiple simulations to determine the likelihood of plan success, during average and poor market conditions. Results may vary with each use and over time.

For complete details on criteria, methodology, limitations and key assumptions, please see Methodologies & Assumption.

IMPORTANT: The projections or other information generated by WealthRuler regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results and are not guarantees of future results.

TD AMERITRADE, Division of TD AMERITRADE, Inc., member FINRA/SIPC. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. TD AMERITRADE is a trademark jointly owned by TD AMERITRADE IP Company, Inc. and The Toronto-Dominion Bank. © 2009 TD AMERITRADE IP Company, Inc. All rights reserved. Used with permission.