IMPORTANT: The projections or other information generated by the Happy Retirement Planner Calculator regarding the likelihood of various investment outcomes are hypothetical in nature, do not reflect actual investment results, and are not guarantees of future results. Results will vary with each use and over time based on the assumptions used. Even small changes in assumptions can have a substantial impact on the results shown in this report. Investment outcomes in the real world are the results of a near infinite set of variables, few of which can be accurately anticipated. Information and interactive calculators are made available to you as educational tools for your independent use and are not intended to provide financial planning or investment advice. These tools help you see which factors are most important to consider in making a particular financial decision, and they illustrate the relative impact of each factor on the projected outcome. This information does not serve, either directly or indirectly, as legal, financial or tax advice and you should always consult a qualified professional legal, financial and/or tax advisor when making decisions related to your individual situation. Neither Federal nor State income taxes have been factored into the illustration.