Are You Truly Ready to Retire?

Most people plan for the wedding, but not the marriage. Let's check your financial and emotional readiness.

2

What is your current age?

Under 45

45-65

65+

3

What is your current debt status?

I am completely debt-free, including my mortgage.

I have no high-interest debt (credit cards), but I still have a mortgage or low-interest car loan.

I have significant high-interest debt or a mortgage that will last well into retirement.

4

How clearly have you defined your retirement budget?

I have a detailed spreadsheet of expenses.

I have a rough idea (70-80% of current income).

I haven't really crunched the numbers yet.

5

Beyond the money, do you have a plan for how you will spend your time?

Yes, I have hobbies, volunteering, or work lined up.

I plan to relax and figure it out later.

Honestly, the boredom scares me a little.

6

How much do you have saved for retirement?

$1,000,000+

$500,000 - $1,000,000

Less than $500,000

7

How are you currently invested?

Aggressive or moderate (high stock allocation and incorporating bonds as you get closer to retirement).

High risk (either all stocks or all cash)

I don't know how my portfolio is invested.

8

Will your portfolio support your lifestyle in retirement?

Yes, my portfolio is at least 25x my expected annual expenses.

I'm close (15x-20x) or expect to be there by my retirement date.

No, I am well below 15x my expected annual expenses.

9

What is the makeup of your retirement accounts?

I have a strong Roth bucket (Roth IRA/401(k)).

I am heavy in Traditional accounts (Traditional IRA/401(k)), meaning I will owe income tax on every dollar I withdraw.

I don't have any tax-advantaged retirement accounts, or I don't know the difference.

10

Have you stress-tested your portfolio against a major market downturn?

Yes, and I'm comfortable with the results.

I think I'm diversified, but I'm not sure.

No, a market crash worries me deeply.

11

Who are we building this plan for?* This field is required.

12

Where should we send your Readiness Report and complimentary retirement guide?* This field is required.

example@example.com

13

Total Readiness ScoreBelow is your Retirement Readiness score