Which scenarios are included in the What Ifs?

• A. Economic growth, tax changes, and inflation
• B. Retirement spending and college funding
• C. Premature death, bear market in retirement, LTC event, inflation rises
• D. Insurance premium changes

Answer: (C)

What Ifs test how a plan holds up under events that can change your cash flow and needs in retirement. The best answer includes scenarios that truly shift outcomes: a premature death changes income and survivor planning; a bear market in retirement affects the portfolio value and withdrawal sustainability; a long-term care event introduces large, unexpected costs; and inflation rises erode purchasing power and push up future withdrawals. These are the kinds of personal-life and market events that What Ifs are designed to stress-test, showing how much a plan might have to adapt to stay on track. Other options mix broader economic factors or narrow planning elements that aren’t the same kind of scenario testing used in What Ifs.