Generate the proof points that help clients make informed decisions about tax planning, retirement planning, and more.
Calculators
Try Our RILA Calculator
Build up to five customized scenarios for your client using Pacific Protective Growth, a registered index-linked annuity.
This material must be preceded or accompanied by the product prospectus, which contains information about the contract's features, risks, limitations, charges, and expenses. You should read the prospectus, which is available from your financial professional or by visting PacifcLife.com/Prospectuses, and consider its information carefully before investing.
Tax Planning
Use this calculator to determine how much of the Social Security retirement benefit may be subject to income tax.
Federal income tax is calculated using a progressive tax structure, meaning that the effective tax rate is lower than the client's income-tax bracket. As this calculator shows, even if taxable income shows your client in a particular income-tax bracket, overall, the client benefits from being taxed at the lower brackets first.
Use this tool to illustrate the power of tax deferral by comparing client tax situations with taxable and tax-deferred accounts during all retirement phases.
Retirement Planning
Build up to five customized scenarios for your client using Pacific Protective Growth, a registered index-linked annuity.
Use this simple, interactive tool to help clients identify potential gaps between their expected sources of guaranteed income and their essential future expenses.
Use this calculator to help determine the tax implication of net unrealized appreciation from an employer's qualified plan versus an IRA rollover.
Use this calculator to estimate the income from Social Security retirement benefits.
Use this calculator to help determine eligibility and maximum contribution amounts for both traditional and Roth IRAs.
Determine the maximum contribution amount for the different types of small-business retirement plans, such as Individual(k), SIMPLE IRA, or SEP-IRA.
Use this calculator to help determine whether or not to convert to a Roth IRA.
Use this calculator to help clients in or near retirement track their current monthly expenses and monthly income.
Use this calculator to help clients understand the concept of sequence of returns.
Use this calculator to help clients understand the concept of longevity.
Use this calculator with clients to help them visualize the concept of inflation.
Use this tool with clients to help them determine the amount of time it would take for their money to double in value.
Provide information and receive a customized report to help estimate clients' healthcare expenses in retirement.
Receive a report comparing three Social Security retirement benefit strategies designed to help maximize a client's retirement income.
Distribution Planning
Use this calculator to see contract owner and surviving spouse contract and cost basis values in addition to beneficiary distribution options.
Use this tool to calculate the three payment methods and illustrate the program year by year.
Find the required minimum distribution amount based on age, prior-year IRA plan balance, marital status, and spouse's age.
Use this calculator for a hypothetical projection of the required minimum distribution for an individual and their IRA beneficiary.
This material must be preceded or accompanied by the product prospectus or summary prospectus, if available, each of which contains information about the contract’s features, risks, limitations, charges, and expenses. Investors should read the prospectus, which is available by visiting Pacificlife.com/Prospectuses and consider its information carefully before investing.
Securities are distributed by Pacific Select Distributors, LLC (member FINRA & SIPC), a subsidiary of Pacific Life Insurance Company.
Insurance products and their guarantees, including optional benefits, annuity payout rates, and any crediting rates, are backed by the financial strength and claims-paying ability of the issuing insurance company, but they do not protect the value of the variable investment options. Look to the strength of the insurance company with regard to such guarantees because these guarantees are not backed by the independent broker/dealers, insurance agencies, or their affiliates from which products are purchased. Neither these entities nor their representatives make any representation or assurance regarding the claims-paying ability of the issuing company.
Contract Form Series: 10-1900
Pacific Life Insurance Company
Pacific Life & Annuity Company
24-626A
VLQ0951-00