A retirement plan can look solid on paper and still leave critical gaps unaddressed. The Retirement Readiness approach identifies the specific issues that could prevent a successful retirement — and solves them before they become emergencies.
Even people who have saved diligently can encounter retirement problems they never planned for — healthcare costs, taxes, debt, survivor needs, long-term care, or income gaps that don't show up in a standard retirement projection.
Retirement readiness isn't about replacing your financial plan. It's about completing it — finding the issues that could prevent a successful retirement and solving them before they become emergencies.
These are the areas our system is designed to identify and address — the issues that most retirement plans miss.
Will your income last as long as you do? Social Security timing, pension decisions, withdrawal strategies, and the gap between what you need and what your current plan actually provides.
You're five years from retirement — how much unsecured debt are you carrying? Most retirement projections ignore the debt that's quietly consuming your future income.
Your retirement income may trigger an additional Medicare premium you aren't planning for. IRMAA surcharges, Part B timing, Medigap decisions, and the costs most people never see coming.
The cost of long-term care can consume a significant portion of a family's retirement savings. Planning for it is not optional — ignoring it is a plan to burden your family.
What happens to your spouse or dependents if you're not here? Adequate life insurance, beneficiary reviews, and income continuation planning that closes the survivor gap.
Pre-tax, post-tax, and tax-free buckets each play a role. Roth conversions, RMD planning, and strategies that give you control over your tax bracket in retirement.
The Retirement Readiness Score measures your actual preparedness — not just your portfolio balance. It identifies gaps, ranks them by impact, and shows you exactly what needs attention.
Discover Your Readiness