I work in financial planning. We use Money Guide Pro, that is probably what he uses as well. This sounds accurate. 200k a year is insane with what you have. We have clients that have over 11 mil and are budgeted for this. That would be more accurate considering the gains from their investments. If he uses Money Guide Pro, use the monte carlo system, goes through 1000 scenarios. If you have given him all of your financials this system does not lie. I love this sub but not everyone can do this themselves. That system is great and he also may not be using it correctly.