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1. Eligibility. These resources are provided for approved advisors currently working with Ron Eastman and his team. You agree to enter an email address assigned to you or your firm and not to use another advisor's access.

2. Permitted use. Resources may be used only for your internal business planning and, when your firm permits, for client-support work. You may not share access, reproduce the tools for distribution, sell them, or provide them to an unauthorized third party.

3. Hypothetical tools and no recommendation. Tool outputs are educational and hypothetical. They are not actual results, guarantees, projections, recommendations, product illustrations, account statements, or individualized investment, insurance, tax, legal, or compliance advice. You will not describe any output as a guarantee or as actual or expected investment performance.

4. Advisor and firm responsibility. You are responsible for reviewing and validating all inputs, assumptions, calculations, outputs, explanations, and materials you use. Before any client-facing use, you and your firm must determine whether and how the resource may be used, obtain required supervisory and compliance approval, use current approved firm and carrier materials, provide required disclosures, and meet all applicable legal, regulatory, licensing, suitability, best-interest, and recordkeeping obligations.

5. Information and availability. Information, methodologies, and tool availability may change, and access may be updated, suspended, or revoked at any time. Confirm current rates, requirements, product details, and carrier materials before relying on them in a client recommendation or presentation.

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7. Indemnification and hold harmless—counsel review required. To the fullest extent permitted by applicable law, you agree to defend, indemnify, and hold harmless The Impact Partnership, Ron Eastman, and their respective affiliates, officers, employees, and agents from third-party claims, losses, liabilities, costs, and expenses, including reasonable attorneys' fees, arising out of or related to your use, presentation, distribution, modification, or misrepresentation of these resources or their outputs, or your failure to obtain required approval or provide required disclosures. This provision does not apply to a claim finally determined to have resulted from the indemnified party's gross negligence, willful misconduct, or violation of law.

8. Access period and activity records. After acceptance, this browser may remain authorized for up to 90 days. For security, service improvement, and advisor support, the site records the approved email, terms version, acceptance time, protected resources accessed, downloads, session activity, and a privacy-conscious browser or network identifier. Raw uploaded workbook contents are not included in access-activity reporting.

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10. Agreement. By selecting the acceptance box and continuing, you confirm that you have reviewed and agree to these terms. You also represent that you have authority to accept these terms for yourself. Your firm is bound only if you are authorized to accept these terms on its behalf.

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Tools · Retirement planning

Retirement Continuity

Stress-test the plan. Protect the path. Sustain the income.

Sequence of ReturnsProtection RotationIncome Insulation
What Retirement Continuity revealsTest historical returns, introduce withdrawals, and see how sequence, protection, and income design can affect a retirement plan’s staying power.
Sequence ending value$0

Shuffle the same historical returns to see how the ending value changes once annual withdrawals are taken.

Years 1–10 2002–2011
Market-only comparison
YrS&PTotal returnMarketOnly
12002-22.0%$0
2200328.4%$0
3200410.7%$0
420054.8%$0
5200615.6%$0
620075.5%$0
72008-36.6%$0
8200925.9%$0
9201014.8%$0
1020112.1%$0

S&P 500 annual total returns include dividends. This is a hypothetical planning tool, not a product illustration.

Important disclosure

Hypothetical educational tool—firm approval required before client use.

IMPORTANT: Results generated by Retirement Continuity are hypothetical illustrations based on selected historical return periods and user-entered assumptions. They do not reflect actual investment results and are not guarantees, projections, or predictions of future results. Actual outcomes may differ materially.

This tool is for educational planning discussion only. It is not an offer, solicitation, recommendation, product illustration, account statement, or individualized investment, insurance, tax, legal, or compliance advice. It does not evaluate or determine suitability, best interest, appropriateness, investment objectives, risk tolerance, time horizon, liquidity needs, tax status, insurance needs, or product features.

Advisor and firm responsibility: The financial professional and their firm are responsible for reviewing and validating all inputs, assumptions, calculations, outputs, explanations, and client-facing materials; determining whether and how the tool may be used; obtaining required supervisory and compliance approval; and providing all required product-specific, performance, and risk disclosures. This tool is not a substitute for approved firm materials, carrier illustrations, prospectuses, account statements, or other required documents.

Historical returns do not predict future results. Market conditions, fees and expenses, taxes, withdrawals, contract charges, surrender charges, caps, participation rates, spreads, index options, crediting methods, carrier terms, product availability, and individual circumstances may materially affect results. Any protection or income-crediting assumption is illustrative only and may not reflect current product terms. The Impact Partnership and its affiliates do not supervise or approve an advisor's client-facing use of this tool. Consult your firm's Compliance Department and qualified legal and tax professionals before presenting or distributing tool output.