Fundedness Report

John & Sarah Sample Prepared January 2025
WashPark Capital

Based on your current resources and projected needs:

104%
Funded

What You'll Need

Retirement spending (PV) $1,680,000
Liquidity reserve (PV) $120,000
Total Needs $1,800,000

What You Have

Social Security (PV) $620,000
Pension (PV) $340,000
Investments & savings $910,000
Total Resources $1,870,000

Key Assumptions

Planning horizon 30 years
Discount rate 4.0%
Annual spending $85,000
Inflation assumption 2.5%

The Math

Total Resources $1,870,000
÷ Total Needs $1,800,000
= Fundedness Ratio 104%

What this means: Based on these assumptions, your projected resources exceed your projected needs by about 4%. You appear to be funded for a 30-year retirement at your target spending level.

What this doesn't mean: This is not a guarantee. Markets fluctuate, plans change, and life surprises us. A 104% funded status provides a modest cushion, but not an unlimited one. We'd want to revisit this annually and stress-test against less favorable scenarios.