GST Financial Services · Warrior Quest

Build your armour.
Shape your tomorrow.

Your life. Your people. Your next move.
Explore a plan, equip your warrior, then face life’s fictional chapters.

Private learning mode · no purchases · no AI calls

Save or restore my journey

A local checkpoint stores your financial and family entries in this browser on this device, not an encrypted vault or a cross-device backup. Other people using this browser profile may access it. Nothing is saved until you choose Save.

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01 · Your starting point

Start where you are.

Estimates are welcome. Your entries stay in memory unless you explicitly save a checkpoint in this browser. Nothing is sent to an advisor.

Current ageDesired retirement ageCurrent monthly expenses ($)Monthly retirement contribution ($)

Keep the same retirement lifestyle

Refine balances, income and assumptions

Retirement investments, excluding old plans and annuities ($)Former-employer retirement accounts ($)Accessible cash, excluding emergency reserves ($)Separate emergency savings ($)Current debts, excluding policy loans ($)Expected monthly non-annuity retirement income, future dollars ($)Income start ageReported actual monthly annuity income, future dollars ($)Annuity income start ageSeparate reported annuity contract value ($)Documented insurance cash surrender value ($)Annual inflation (%)Annual investment return before fees (%)Annual investment fees (%)Initial annual withdrawal assumption (%)Planning horizon age

Income is fixed in future dollars from its start age. Annuity contract values are excluded from investment projections and not added to income twice. No annuity quote or IUL policy value is calculated. Investments use return minus fees. The withdrawal rate is a planning heuristic, not a guarantee.

Optional family and education context

Unanswered parent details exclude parent-specific events. No names are needed. Fictional stories are not risk estimates.

Living parents abroad you may helpEducation goal

Compare education savings approaches, including 529 plans and other savings. No education goal defaults to an insurance product.

Methods, sources and limits

Warrior Quest calculation engine v1. Effective monthly investment growth = (1 + (annual return minus annual fees) / 100)^(1/12) − 1. Contributions occur at month-end. Inflation compounds from your original entered age. Accessible cash earns zero; no investment return is assigned to documents, insurance limits or annuity contract values.

The retirement target uses inflation-adjusted spending less entered fixed future-dollar income, divided by the initial withdrawal assumption. A separate undiscounted reserve bridges income starting later; existing debt is reserved too. Required saving solves the same future-value equation. The purple flag searches each age from the later of current and desired retirement through 100, assuming saving continues if retirement is delayed; it can remain unfunded. This threshold is not a lifetime guarantee.

Yearly play contributes before the desired retirement age, then withdraws net spending monthly after that age, using cash, emergency savings and finally debt for a shortfall. Education uses a separate balance and contribution; after retirement, ongoing education contributions are included in modeled withdrawals rather than created as free wealth. Parent events need known living/support context. The fixed fictional chapter rotation is not a probability model. Taxes, sequence-of-return risk, debt interest, account-access rules, contribution limits, actual claims decisions and policy-specific values are not modeled. Planning costs are your notes, not prices, automatic deductions or policy projections.

Equipment exploration, goals and reported arrangements are distinct. No simulation creates insurance or legal documents. Review policy conditions, charges, loan and lapse risks and potential tax consequences with qualified professionals.