Sawtelle Financial Management, a money management firm specializing in active risk management for the 403b participant.

Download our SEC Disclosure Brochure Download our Fee Agreement Form Download our Policies, Philosophy, and Procedures for transferring assets.

The Sawtelle Advantage

There is a better way to monitor and control risk exposure in a securities-based investment account.

Sawtelle Financial Managementuses a system of investment management based on the law of Supply and Demand, the most fundamental determiner of stock prices. find out more

SFM does not charge management fees when the account(s) are not profitable, measured since inception of the accounts.

"The sum total of your accounts will not be charged a management fee in any quarter the sum total of your accounts are not profitable, measured from the inception of the agreement."

Please read the SFM Policies, Philosophy, & Procedures for further information about how we conduct business.

Download our SEC Disclosure Brochure

Savings Calculator

Savings Calculator
This calculator will help you to determine how much you will have when you retire, adusting for taxes and inflation. Enter percentages as whole numbers. For example, if your projected interest rate is 5.05 %, you would enter 5.05 NOT .0505.
Enter the initial investment (optional):
Enter the deposit amount:
Enter the annual interest rate (%):
Enter the number of years:
Enter your federal tax rate (%): (for non taxable accounts enter 0)
Enter the expected average annual inflation rate (%):

Gross future value:
After-tax future value:
After-tax future value accounting for inflation:

Your estimated account balance for the beginning of your retirement is . Assuming you keep your current rate of return, and the inflation rate you entered stays constant, you will only be able to spend per year, for 20 years after retirement.

If you are not happy with these answers, it may be time to get with an experienced, independent advisor who can help you get the answers you need to these and other pressing issues that are coming as we get older.

WELCOME TO SAWTELLE

The Sawtelle Advantage

Savings Calculator

Savings Calculator