Retiree Portfolio Tax Charts

                Tax Impacts on 15% Marginal Bracket Taxpayer

        Inc Tax in Life  Total Taxes on Family  Net Estate to Heirs
    ===================  ====================   ===================
Age  Taxable   Trad IRA    Taxable  Trad IRA     Taxable   Trad IRA
=== ========= =========  =========  ========    ========   ========
 62       900     1,350     34,641    32,055     135,828    138,790
 63     1,806     2,709     39,895    34,507     142,824    148,892
 64     2,723     4,085     47,904    38,756     158,267    168,277
 65     3,655     5,483     59,975    45,449     185,454    200,884
 66     4,499     6,898     69,839    50,134     203,711    224,234
 67     5,560     8,340     55,866    39,603     149,501    166,872
 68     6,554     9,831     73,999    48,015     187,026    213,369
 69     7,578    11,367     87,396    53,162     209,192    242,957
 70    10,250    12,975     78,789    48,507     179,828    214,464
 71    12,650    14,682     67,610    42,433     149,497    175,983
 72    14,667    16,483     75,966    45,686     172,013    199,499
 73    17,029    18,344     83,359    48,343     188,630    221,128
 74    19,721    20,268     91,619    51,238     209,243    247,403
 75    22,803    22,362    102,178    54,836     238,240    282,929
 76    26,376    24,711    149,034    72,099     381,904    455,663
 77    32,243    27,225    186,315    86,112     496,631    608,023
 78    40,030    30,201    175,442    81,956     463,102    572,303
 79    47,284    33,015    181,214    84,120     501,143    611,323
 80    54,836    36,082    195,882    89,494     574,673    696,583

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                Tax Impacts on 28% Marginal Bracket Taxpayer

        Inc Tax in Life  Total Taxes on Family  Net Estate to Heirs
    ===================  ====================   ===================
Age  Taxable   Trad IRA    Taxable  Trad IRA     Taxable   Trad IRA
=== ========= =========  =========  ========    ========   ========
 62     3,600     5,040     71,083    66,449     271,062    276,855
 63     7,224    10,114     83,403    73,709     284,501    296,253
 64    10,893    15,250    101,254    84,592     314,728    333,888
 65    14,622    20,470    127,261   100,401     368,308    397,583
 66    18,395    25,753    148,876   112,225     404,109    442,629
 67    22,241    31,137    122,852    93,662     296,206    328,108
 68    26,216    36,702    161,107   113,070     370,192    417,949
 69    30,312    42,437    189,947   126,027     413,826    474,194
 70    40,289    48,442    177,366   119,505     355,493    416,627
 71    49,248    54,814    159,168   110,316     293,797    339,883
 72    56,777    61,536    179,375   119,943     336,290    383,212
 73    65,597    68,483    198,256   128,482     367,701    422,262
 74    75,647    75,668    219,442   137,608     406,128    469,737
 75    87,151    83,485    245,902   148,433     459,780    533,012
 76   100,491    92,255    345,807   187,030     732,293    852,168
 77   122,394   101,641    534,878   320,636     841,794  1,027,886
 78   151,464   112,752    481,629   281,204     814,567    989,943
 79   178,547   123,255    528,965   315,252     850,941  1,026,997
 80   206,743   134,707    629,771   394,751     916,361  1,107,909

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                Tax Impacts on 31% Marginal Bracket Taxpayer

        Inc Tax in Life  Total Taxes on Family  Net Estate to Heirs
    ===================  ====================   ===================
Age  Taxable   Trad IRA    Taxable  Trad IRA    Taxable    Trad IRA
=== ========= =========  =========  ========    ========   ========
 62     7,200    11,160    152,088   143,671     531,929    543,684
 63    14,448    22,395    183,764   165,862     551,517    575,525
 64    21,785    33,767    253,404   221,745     577,732    617,261
 65    29,243    45,327    355,200   302,905     634,754    695,539
 66    36,790    57,025    441,499   368,742     662,965    743,825
 67    44,482    68,947    245,704   193,997     591,150    653,658
 68    52,432    81,269    345,172   247,521     715,695    818,406
 69    60,624    93,967    439,299   306,365     766,215    897,889
 70    82,716   107,264    356,870   249,389     709,145    827,734
 71   102,554   121,373    322,393   232,377     585,286    674,370
 72   119,225   136,257    364,422   253,072     669,143    759,401
 73   138,755   151,641    404,073   271,639     731,179    835,665
 74   161,009   167,550    487,301   312,866     768,106    906,968
 75   186,481   184,859    598,174   389,168     818,040    977,183
 76   216,020   204,280  1,115,292   769,432   1,042,149  1,302,853
 77   264,520   225,063  1,554,931 1,119,001   1,197,594  1,561,962
 78   328,890   249,665  1,436,220 1,027,856   1,159,364  1,499,709
 79   388,858   272,923  1,542,240 1,104,585   1,219,394  1,560,671
 80   451,292   298,280  1,769,047 1,286,942   1,321,064  1,690,610

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