2026 Wealth & Retirement Planner — Laxson Financial Group

Joshua Laxson, CFP®, CRPC®

Financial Advisor

Laxson Financial Group, LLC

1461 Gateway Drive

Opelika, AL 36801

Tel: (334) 737-5051

Fax: (877) 669-0240

Step 1 of 3: The Basics 33% Complete

👤 Step 1: Personal & Income

Birth Date

How do you want to enter pay?

If you know your hourly rate and hours worked, choose hourly wage.

Annual Salary ($)

Enter your yearly pay. Switch to hourly if you prefer rate/hour inputs.

Pay Cycle

Choose how many paychecks you receive per year.

Need help with savings targets?

Use the quick-start defaults to see your contribution impact instantly. Advanced settings are optional and available when you want to fine-tune tax, budget, or investment assumptions.

⚙️ Contribution Strategy

Deferral % (employee)

Contribution Split (Pre‑Tax vs Roth)

Roth: 0% Pre-Tax: 6%

Allocate your retirement contribution between Pre‑Tax and Roth.

Employer Match Rate (% of contribution)

Percentage of your contribution employer matches.

Employer Match Cap (% of salary)

Max percent of your salary matched.

🛠️ Advanced Settings

📅 Timeline & Budgeting

Social Security Filing Age

When you expect to claim Social Security.

Life Expectancy (Age)

Target age for retirement planning timeline.

Inflation Rate (%)

Used for purchasing power adjustments.

Retirement Budget

Flat Annual Retirement Budget ($)

Used only when "Flat annual budget" is selected.

⚖️ Taxes & HSA

Over 65 or Blind?

State Tax Rate (%)

Estimated state income tax rate.

Annual Salary Growth (%)

Projected annual raise rate.

Retirement Standard Deduction

Reduces estimated taxable retirement income by standard deduction.

Retirement Income Tax Basis

Determines taxable income basis. Safe Withdrawal Rate (SWR) captures RMD/wealth tax risks.

Adjust for Roth Tax-Free Status

Adjusts gross portfolio withdrawals downward to reflect tax-free Roth income.

HSA Contribution (annual $)

Current HSA Balance ($)

🔄 Roth Conversion Simulation

Simulated Roth Conversion ($)

One-time amount to convert from Pre-Tax to Roth.

Roth Conversion Age

Age at which to execute this conversion.

📈 Investment Strategy & Return Assumptions

Expected Investment Return (%)

Annual return before retirement.

In-Retirement Allocation

Model portfolio for retirement phase.

Retirement Investment Return (%)

Annual return during retirement.

Model Asset Allocation (Glide Path)

Pre-Retirement Allocation (7.0%)

📈 Stocks: 50%

📊 Bonds: 50%

💵 Cash: 0%

In-Retirement Allocation (5.0%)

📈 Stocks: 0%

📊 Bonds: 100%

💵 Cash: 0%

Summary

Focus on the fastest path to retirement savings first. Adjust your Roth/Pre-Tax split only if you want a more tailored tax strategy.

Filing Status Required

Choose your filing status in Advanced Settings to see a Roth vs Pre-Tax recommendation.

Payroll (per check)

Gross Pay $0

Employee Contrib. $0

— Pre-Tax portion $0

— Roth portion $0

Employer Match $0

Est. Taxes $0

Net Take-Home $0

Retirement Outlook Comparison

* Both scenarios assume $0 in existing savings (modeling a new retirement account started today).

Current Path

Your Selections (6% election)

$0/mo Safe Monthly Income

Projected to last past age 95

Optimized Path

Tax Planner Strategy (15% election)

$0/mo Safe Monthly Income

Projected to last past age 95

Laxson Wealth Planner

👤 Step 1: Personal & Income

📅 Step 2: Timeline & Tax Status

Need help with savings targets?

⚙️ Contribution Strategy

🛠️ Advanced Settings

📅 Timeline & Budgeting

⚖️ Taxes & HSA

🔄 Roth Conversion Simulation

📈 Investment Strategy & Return Assumptions

Model Asset Allocation (Glide Path)

Pre-Retirement Allocation (7.0%)

In-Retirement Allocation (5.0%)

💰 Current Assets

Summary

Recommended Contribution

Filing Status Required

Payroll (per check)

Retirement Outlook Comparison

Roth vs Pre‑Tax Analysis

Charts

Growth Projection

Portfolio Breakdown

Analysis

HSA Projection

Social Security Estimate