Vanguard Financial Engines

[SnackDog]

Does anyone else use the Vanguard Financial Engines tool?  I've run it a few times for grins but it is sort of a black box.  All my investments are with Vanguard so it see all my savings trends, etc. and claims to include company pension numbers.  However, when I run it lately it says if I make no changes to current income, savings and investment rates, in 13 years, I will can retire at about double my current pre-tax salary in *uninflated* income. 

Return seems high - I estimate it is using a 9% rate of return which would be great if achievable. 

Also it appears to use about 6% starting withdrawal rate.  Is it assuming I am a chain smoker or what?

Anyone else have insights?

Thanks

[yolfer]

I just played around with it for the first time and I don't have anything to add, except here's the link for other readers:

https://personal.vanguard.com/us/insights/retirement/financial-engines

[TLV]

Just tried it too, agree that it's very opaque.

One reason for the starting withdrawal being high is that they include a generous estimate of Social Security, but even with that it included it does seem high to me.