Results are hypothetical and for educational purposes only. They are based on user-entered assumptions and do not represent actual investment performance. This tool does not provide personalized investment, tax, or legal advice. Straight-line projections use constant return and inflation assumptions; actual results will vary. Scott Brooks' perspective is based on widely referenced industry benchmarks and professional planning standards — every financial situation is different, and a real conversation is always the right next step. Consult a qualified financial professional before making investment decisions. Brooks Wealth Management LLC (BWM) is a registered investment adviser in the State of California and other jurisdictions where exempt.