Short Form The Retirement Number Nobody Calculates: Your Monthly Income Gap

LEGACY INVESTMENT SERVICES

YouTube Short Script  |  June 2025  |  Week 1 - Short 7

TITLE: The Retirement Number Nobody Calculates: Your Monthly Income Gap

ADVISOR: Jordan Cassiani

RUNTIME: 55-65 seconds

FORMAT: Vertical 9:16, tight on-camera, no cuts

CTA: Link in bio for complimentary retirement income analysis

Securities and advisory services offered through Osaic Wealth, Inc., member FINRA/SIPC. Legacy Investment Services and Osaic Wealth are separate entities. Content is for educational purposes only. Not investment, tax, or legal advice. All scenarios are hypothetical illustrations.

SCRIPT

Most people measure retirement readiness by their account balance. That is the wrong measurement.

The number that actually matters is your monthly income gap. That is the difference between what your life costs per month and what guaranteed sources, meaning Social Security and any pension, actually pay you each month.

If your life costs $8,000 a month and Social Security pays $2,800, your gap is $5,200. That $5,200 is what your portfolio needs to generate every single month for the rest of your life. That is the only number that drives your portfolio target.

Divide your annual gap by your withdrawal rate and you have your actual retirement number. For $5,200 a month at a 4 percent withdrawal rate, you need $1.56 million in your portfolio. Not two million. Not one million. $1.56 million, built from your actual inputs.

Every input changes the answer. A higher Social Security benefit shrinks the gap. A lower one widens it. The account type changes the gross withdrawal needed because of taxes.

If you have never run this calculation with your real numbers, that is the conversation to start. Link in my bio.

PRODUCTION NOTES

High energy, educational. The gap calculation is the hook. On-screen math as Jordan speaks would be powerful.

Legacy Investment Services  |  Jordan Cassiani  |  Legacy - Monthly Income Gap Calculation - Short - Week 1