Retirement Plan Stress Test

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Name* This field is required.
First Name
Last Name
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Email* This field is required.
example@example.com
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Phone Number* This field is required.
Please enter a valid phone number.
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For each question, mark one:

YES = I have this covered.

NOT SURE = I should review this.

NO = I haven't addressed this.

Advisory Services offered through Independent Solutions Wealth Management, LLC and Blackridge Asset Management, LLC, Registered Investment Advisers. Securities are offered through Peak Brokerage Services, LLC, Member FINRA/SIPC. Independent Solutions Wealth Management, LLC, Blackridge Asset Management, LLC, and The Financial Guys are separate and independent entities from Peak Brokerage Services, LLC.
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Do you know your retirement number?* This field is required.Not just how much you’ve saved—how much income you’ll actually need each month. A balance is only one piece of the picture. What often matters more is how that balance, and other sources, might translate into monthly income. If that figure is still a guess, this question is worth sitting with.
YES — I have this covered
NOT SURE — I should review this
NO — I haven’t addressed this yet
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Do you know where your retirement paycheck will come from?* This field is required.Map Social Security, pensions, investments and other income. Each source may play a different role. Sketching where income in retirement is intended to come from can make it easier to see what is already in place and what is still an assumption.
YES — I have this covered
NOT SURE — I should review this
NO — I haven’t addressed this yet
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Have you decided when to claim Social Security—and why?* This field is required.The month you claim can change the benefit you receive for the rest of your life, and it can interact with other income and tax questions. Claiming as soon as you are eligible is one option—not the only one. The “why” is as useful as the date.
YES — I have this covered
NOT SURE — I should review this
NO — I haven’t addressed this yet
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Do you know how taxes could affect your retirement income?* This field is required.Withdrawals and benefits are not all treated the same. Some sources are taxable, some are tax-deferred until you use them, and some may be tax-free depending on the account type and the rules in effect. Which is which can change how much of each dollar you actually keep.
YES — I have this covered
NOT SURE — I should review this
NO — I haven’t addressed this yet
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Could your plan handle a major market downturn?* This field is required.A decline shortly before or after retirement can matter more than the same decline earlier in a career, because there is less time—and sometimes less flexibility—to adjust. This is not about predicting markets. It is about whether you have thought through what a downturn could mean for withdrawals and timing.
YES — I have this covered
NOT SURE — I should review this
NO — I haven’t addressed this yet
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Have you accounted for healthcare and unexpected expenses?* This field is required.Everyday living costs are only part of a spending picture. Healthcare, deductibles, and costs that do not show up every month can change what you need. If a projection includes only the regular bills, it may be incomplete.
YES — I have this covered
NOT SURE — I should review this
NO — I haven’t addressed this yet
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Does everything work together as one retirement plan?* This field is required.Investments, income, Social Security, taxes, healthcare, insurance and legacy planning shouldn’t exist in separate silos. Each piece can look reasonable on its own and still leave gaps when they are viewed together. This question asks whether they have been considered as one plan.
YES — I have this covered
NOT SURE — I should review this
NO — I haven’t addressed this yet
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Calculation
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You’re Well Prepared... But Is Your Plan Still on Track?

Your plan has many important pieces in place, but retirement planning isn’t “set it and forget it.” A second look can help determine whether those pieces are still working together. Our team of professionals can help ensure your plan remains on track.
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You’re Getting There... Let’s Strengthen the Rest

You've put a lot of thought into your retirement, but there may be a few unanswered questions that could use a review. Our team of professionals can help guide you through those unanswered questions and ensure you have the proper retirement plan moving forward.
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There May Be Gaps Worth Addressing... Let's Get the Pieces in Place

Retirement is a huge step; it's important to make sure all the pieces of the puzzle are there before making the leap. Our team of professionals can help clarify any questions you have and ensure you are on the right path towards retirement.
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