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Monthly Income / Expense - All Sources<br />
The Follow page combines sources of retirement income with sources of retirement expense and<br />
projects these through your retirement years.<br />
Examples of monthly retirement income:<br />
1. CSRS or FERS Annuity<br />
2. TSP<br />
3. Social Security<br />
4. Other<br />
Examples of retirement expenses:<br />
1. Survivor <strong>Benefit</strong><br />
2. Federal / State income tax withholding<br />
3. FEGLI premium<br />
4. Health Insurance premium<br />
5. Long Term Care Insurance premium<br />
6. Living expenses<br />
7. Other<br />
The graph depicts the projected retirement income (blue line) and projected retirement expenses<br />
(red line). If the red line is above the blue line at any point or points in time, then there is a shortfall<br />
of required income. However, if the red line is below the blue line at any point or points in time, then<br />
there is a surplus of required income.<br />
The Difference column lists the surplus or shortfall (if negative number) of income needed to meet<br />
all living expenses.<br />
The Change column lists the change in surplus or shortfall from the previous year.<br />
Your retirement planner will discuss with you ways to reduce or eliminate the income shortfall.<br />
The pages that follow the Monthly Income / Expense - All Sources report page contain detailed<br />
analysis of monthly income and monthly expenses listed above.<br />
Public Sector Retirement Educators - Betty Boettcher - 800-587-7476 Page 8 of 56
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