RETIREMENT "QUICK VIEW"

Assumptions: Although your figures are entered based on today's dollars, they are automatically adjusted for a 3.4% annual inflation rate. Annual retirement needs is based on 80% rate of your current annual income adjusted for inflation and annual 2% increases. It is assumed that the Annual Contributions and Additional Savings entered will continue each year until your entered age of retirement. Taxes (on taxable investment returns and withdrawals from tax deferred retirement plans) are determined based on the current income parameter entered. As such, the favorable tax treatment of dividends and long term capital gains is not reflected - this may result in a conservative calculation of the growth of taxable assets applied in this calculator. Unless you selected the “Add Social Security” option, the amount calculated excludes any anticipated social security payments you may be entitled to.

This calculator and the information provided herein is for educational purposes only and does not constitute investment, financial, tax or legal advice. All estimates are based on the assumptions noted and may not apply to your specific situation. We can not and do not guarantee the applicability or accuracy of the projections as they relate to your individual circumstances.

The calculations made are not guaranteed, and are not projections of actual results. A regular investment program neither provides assurance of making a profit nor guarantees against loss in a declining market. Wachovia cannot guarantee results under any savings or investing program, and cannot guarantee that you will meet your retirement savings goal.

Please contact your personal investment, financial, tax or legal advisor regarding your specific needs and situation.