Early Payout Planner shows how much money you would have, after tax and penalties, if you withdrew your retirement savings plan early.

	1.	What is your name?
	2.	What is your birthdate?		January February March April May June July August September October November December
	3.	What is your current account balance?	$
	4.	What is your estimated annual return?		0 1 2 3 4 5 6 7 8 9 10 11 12 %

This Early Payout Planner is calculating what the IRS calls "Substantially Equal Periodic Payments" or SEPPs for short. SEPPs are calculated using one of the following three methods:

• Fixed Amortization Method &ndash a level amount is calculated by amortizing the Account Balance over a specified number of years (determined using a life expectancy table) using a chosen interest rate,
• Fixed Annuitization Method &ndash a level amount is calculated by dividing the Account Balance by an annuity factor that is the present value of an annuity of $1 per year beginning at the Owner's age and continuing for the life of the Owner (or the joint lives of the Owner and Beneficiary), or
• The Minimum Distribution Method &ndash annual amounts are calculated by dividing the Account Balance by the number from the life expectancy table. The resulting annual payouts are recalculated for each year. The distribution will vary from year to year depending on the Account Balance and the Owner's (and Beneficiary's) age.

IMPORTANT LEGAL INFORMATION: This is an educational tool designed to provide you with feedback based on the information that you input and is not intended as investment advice. This is not a recommendation to buy or sell any particular product or security or a definitive answer to your personal financial situation. For a thorough analysis of your financial situation, please contact your financial advisor. These results are hypothetical only and do not reflect any particular financial vehicle. Some financial vehicles have charges, fees, and expenses that are not reflected in the results shown, and the impact of state and local taxes also are not included. If such costs were reflected, the amounts available for distribution would be lower.

Neither The Hartford nor its representatives may provide you with legal or tax advice. The information in this report is intended to be only an estimate of the amounts that may be available for your retirement. Before taking any action with respect to your retirement planning, you should consult with your personal financial or tax advisor for a more detailed analysis of your individual circumstances.

* ARE NOT INSURED BY FDIC OR ANY FEDERAL GOVERNMENT AGENCY * MAY LOSE VALUE * ARE NOT A DEPOSIT OR GUARANTEED BY ANY BANK OR ANY BANK AFFILIATE *

"The Hartford" is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Life Insurance Company, Hartford Retirement Services, LLC, and Hartford Securities Distribution Company, Inc ("HSD").

HSD (member FINRA and SIPC), a registered broker/dealer affiliate of The Hartford, has established certain service programs for retirement plans, through which a sponsor or administrator of a Plan may invest in mutual funds on behalf of Plan Participants.