Portfolio Analyzer

How It Works

Behind the Numbers

This isn’t a surface-level calculator. It’s a lightweight version of our institutional-grade modeling engine.

We simulate 1,000 potential market paths based on rolling 10-year return windows, comparing your current portfolio to one that introduces a structured, safety-first allocation using a fixed indexed annuity. Each scenario models outcomes from your current age to retirement, quantifying how timing risk, volatility, and fees can erode or protect your future.

This model is built to reveal the impact of structured safety: not just in averages, but across the full spectrum of what could happen.

Monte Carlo Simulation (1,000 iterations)

Uses historical return sequences to capture real-world volatility and path dependency

Fee-aware Modeling

Reflects advisory fees and internal expense ratios, not just gross returns

Fixed Indexed Annuity Integration

Dynamically adjusts for changing participation rates to reflect real product behavior over time

Portfolio Comparison

Models side-by-side outcomes of your current allocation versus one with a defined safety layer

Custom Timeline

Projects returns over your actual pre-retirement window, not arbitrary periods

Sequence-of-Returns Risk Exposure

Identifies how early losses can compound and how insulation changes the curve

About us

Who is Revise?

We’re a licensed insurance brokerage based in Chicago, IL. Our mission is to help pre-retirees achieve financial security through innovative annuity strategies.

As fiduciaries, we develop and execute all annuity strategies fully in-house for our clients, ensuring a seamless experience from analysis to implementation. Our team ensures every step is tailored to your unique financial goals, providing clarity and confidence in your retirement strategy.

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Support

FAQs

We know you have questions. Here are some of the most common ones we hear from clients.

PRSM (Protected Return Substitution Model) swaps the “bond” portion of a portfolio for a Fixed Indexed Annuity (FIA) that caps losses at 0 and still participates in market growth—so the whole portfolio compounds faster with less risk. This solves a central problem for pre-retirees.

Revise is a licensed insurance brokerage based in Chicago, IL. We develop and execute all annuity strategies fully in-house for our clients.

An FIA is an insurance contract that links growth to an index (e.g., S&P 500®) while guaranteeing the principal. Gains lock in annually; losses never post.

Core bond funds can still lose double-digits when rates jump. An FIA floors downside at 0 while providing equity-like upside caps, historically boosting return per unit of risk.

We don’t charge an AUM fee. Carrier-embedded costs average 0.00–0.95%/yr and are already reflected in the projected returns you see. You pay nothing out-of-pocket.

Schedule a 15-minute call. We’ll review your numbers in real time, run a Monte Carlo with PRSM applied, and handle paperwork if it’s a fit.

Your money never touches Revise. Premiums go directly to insurers rated A– to A+++ (AM Best). Guarantees are backed by each carrier’s claims-paying ability.

Liquidity. FIAs have surrender schedules (typically 5–10 years). You can access 10% per year penalty-free, but the rest is locked until the term ends. Withdrawals exceeding this penalty-free amount may be subject to penalties imposed by the insurance carrier.

Pre-retirees and retirees who want equity-like growth without bond-like drawdowns • Have ≥ $100K in bond or “balanced” funds, and value stability over chasing returns

Our clients share their success.

Verified policyholder
"Revise helped me evaluate an FIA strategy that could strengthen the conservative slice of my portfolio."
Graham G

Verified policyholder
"Their proactive, data-backed service put me in a place of financial comfort and confidence."
Albert R

Verified policyholder
"The strategy they provide is compelling. The team is professional and will help you on your journey."
Peter F

How does it fit your portfolio?

Schedule a free, no-obligation 15-minute call with one of our licensed strategists. We’ll run your numbers, show you how PRSM™ can enhance your portfolio, and answer any questions you have.

The information provided by this software is based on historical data and should not be considered predictive of future performance. Although we strive for accuracy, we cannot be held responsible for any errors or omissions. Please note that NASDAQ® and S&P® are registered trademarks of their respective entities. This software does not guarantee financial outcomes or results. Users are encouraged to exercise their own judgment and seek professional guidance when needed.

Who we are

Reducing retirement risk
once and for all.

5.0

Resources

Company

Insurance products offered through Revise Insurance Group LLC (domicile IL #3002790618; CA d/b/a Revise Insurance Solutions #6012761).

Revise Insurance Group LLC is NOT a registered investment adviser and does NOT provide advice regarding the purchase, sale, or holding of securities.

Any mention of “portfolio,” “return,” or “performance” refers solely to insurance products—primarily fixed indexed annuities (FIAs)—and is illustrative only. FIAs are insurance contracts, not bank deposits; they are not FDIC- or NCUA-insured, and guarantees rely on the issuing insurer’s claims-paying ability. Contract values may be reduced by surrender charges, market-value adjustments, or other provisions—read the policy and riders carefully.

Hypothetical quiz results illustrate how an FIA could have performed versus selected rate-sensitive benchmarks using back-tested index data from 1 January 2014 – 31 December 2023. They are not a guarantee of future performance and assume no withdrawals or rider costs.

Content is for general educational purposes and should not be construed as personalized investment, legal, or tax advice. Past or hypothetical results do not guarantee future outcomes. Services are offered only where Revise is properly licensed; product availability varies by state.

Logos or trademarks of third-party publications (e.g., Forbes®, Inc.®, MarketWatch®) are the property of their respective owners and do not imply endorsement.