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Research

 NEED MORE TIME – A 30-year old individual investing $523 at the beginning of every month in a pre-tax account earning +8% annually would accumulate $1 million by age 60 assuming the monthly investment is increased +3% per year. A 30-year old individual investing $523 at the beginning of every month in a pre-tax account earning +6% annually would accumulate $1 million by age 64 and 4 months assuming the monthly investment is increased +3% per year. This mathematical calculation ignores the ultimate impact of taxes on the account which are due upon withdrawal, is for illustrative purposes only and is not intended to reflect any specific investment or performance. Actual results will fluctuate with market conditions and will vary (source: BTN Research). 

 FEWER FUTURE TAXPAYERS – The greatest number of births in US history (4.32 million) occurred in calendar year 2007, equal to 8 babies born per minute for the entire year. The 3.79 million births that occurred in 2018, the lowest American total since 1986, is equal to 7 babies born per minute (source: Center for Disease Control).