Capital Liberation — Tax-Xray Suite

Scenario

Ages

Present age

Transfer age — start Turbo 2

Income start age

Phase 1 — Turbo 1 Accumulation

Starting principal

Base rate of return5.0%

Tax rate26%

Phase 2 — Turbo 2 Deferral

Opening deposit — from Turbo 1

Turbo 1 combined after-tax at transfer age

Day-one bonus0.0%

Roll-up / compounding rate0.0%

Income

Payout rate (joint / single)4.75%

Conventional Benchmark

Withdrawal rate assumed4.00%

Do Nothing — Conventional Growth

Gross rate of return4.0%

Tax rate (paid from checking)26%

Structural Path · Conventional Required · Do Nothing

Capital Liberation

Illustrative · not a guarantee

Income Start — Age 70

Annual Guaranteed Income

payout on final income base

Income Base at Start

after bonus and roll-up

Structural Capital Deployed

committed to structure

Conventional Required at 4.00%

to match this income · market exposed

Do-Nothing Account at Income Start

honest after-tax projection

Capital Liberated from Income Obligation

Available for growth · consumption · legacy · heirs