Agreement to Terms
By accessing or using WillMyRetirementSavingsLast.com (the "Site"), you agree to be bound by these Terms of Use. If you do not agree to these terms, please do not use the Site.
The Site is operated by Determined Solutions. These Terms apply to all visitors, users, and others who access or use the Site.
Description of Service
WillMyRetirementSavingsLast.com provides a free educational retirement savings calculator and related content. The calculator uses publicly available actuarial data and published academic research to generate illustrative projections about retirement savings longevity.
The Site also operates as a lead generation service. When you submit your contact information, it may be shared with licensed insurance and financial professionals. See our Privacy Policy for full details.
Not Financial Advice
The content on this Site — including the calculator results, report, articles, and any other information — is provided for educational and informational purposes only. Nothing on this Site constitutes financial, investment, tax, or legal advice.
Calculator results are illustrative projections based on mathematical models and historical data. They are not predictions, guarantees, or personalized financial recommendations. Your actual retirement outcome will depend on many factors not accounted for by this calculator.
You should consult with a qualified, licensed financial advisor, tax professional, or attorney before making any financial decisions.
Accuracy of Information
We make reasonable efforts to ensure the accuracy of the information and calculations provided on this Site. However, we make no warranties or representations — express or implied — as to the accuracy, completeness, reliability, or suitability of any information on the Site.
The retirement calculator is based on:
- SSA 2024 Period Life Tables for life expectancy estimates
- The Bengen (1994) safe withdrawal rate study
- The Trinity Study (Cooley, Hubbard & Walz, 1998)
- A 2.5% annual inflation assumption
These models are based on historical data and academic research. Past performance does not guarantee future results. Economic conditions, market returns, inflation rates, and individual circumstances will vary.
User Responsibilities
By using this Site, you agree that you will:
- Provide accurate information when submitting the lead form
- Use the Site only for lawful purposes
- Not attempt to interfere with or disrupt the Site or its servers
- Not use the Site in any way that could harm, disable, or impair its functionality
- Not attempt to gain unauthorized access to any part of the Site
Third-Party Contacts
When you submit your contact information through our lead form, you may be contacted by one or more third-party licensed insurance agents or financial professionals. These third parties are independent of Determined Solutions. We are not responsible for their representations, advice, products, or conduct.
Any transaction, agreement, or relationship you enter into with a third party who contacts you through this Site is solely between you and that third party. We encourage you to verify the credentials and licensing of any professional before engaging their services.
Limitation of Liability
To the fullest extent permitted by applicable law, Determined Solutions and WillMyRetirementSavingsLast.com shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from:
- Your use of or reliance on any information, calculator results, or content on the Site
- Any financial decisions made based on information from this Site
- Any actions taken by third-party companies or individuals who contact you as a result of submitting the lead form
- Any errors, inaccuracies, or omissions in the content
- Any interruption or unavailability of the Site
Your use of this Site is at your own risk.
Intellectual Property
All content on this Site, including text, graphics, code, and the calculator tool, is the property of Determined Solutions or its content suppliers and is protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any content on this Site without our express written permission.
Links to Third-Party Sites
This Site may contain links to third-party websites. These links are provided for convenience only. We have no control over the content of those sites and accept no responsibility for them or for any loss or damage that may arise from your use of them.
Governing Law
These Terms of Use shall be governed by and construed in accordance with the laws of the United States and the state in which Determined Solutions operates, without regard to conflict of law principles. Any disputes arising under these Terms shall be resolved in the appropriate courts of that jurisdiction.
Changes to These Terms
We reserve the right to modify these Terms of Use at any time. Changes will be posted on this page with an updated effective date. Your continued use of the Site after any changes constitutes your acceptance of the revised Terms.
Contact Us
If you have questions about these Terms of Use, please contact us at:
Determined Solutions
Email: seo@determinedsolutions.com
Website: WillMyRetirementSavingsLast.com