RETIREMENT ASSESSMENT

Where are you
on your journey?

Seven questions. A personalized retirement stage profile. A clear set of next steps — from our advisors to you.

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Step 1 of 8 - Your Age

This field is for validation purposes and should be left unchanged.

How old are you?*

Under 40

40–50

51–60

61–67

68 or older

When do you plan to retire?*

More than 20 years from now

10–20 years from now

5–10 years from now

Within the next 5 years

I am already retired

How would you describe your current retirement savings progress?*

I'm just getting started

I'm saving regularly but feel behind

I'm on track with my goals

I've accumulated significant savings

I'm drawing down my retirement assets

What is your primary retirement income concern?*

Building wealth for the long term

Catching up on savings

Creating a reliable income stream

Making my savings last through retirement

Leaving wealth to family or charity

How do you feel about investment risk?*

Comfortable with significant swings for higher growth

Moderately comfortable — growth with some protection

Prefer balance between growth and stability

Prioritize stability over growth

Capital preservation is my top priority

How do you currently manage your investments?*

I manage everything myself

Mostly self-directed with occasional advice

I work with an advisor on some accounts

I rely primarily on a financial advisor

I'm looking for a new advisor / first-time client

What is your biggest financial concern right now?*

Not saving enough

Outliving my savings

Healthcare costs in retirement

Market volatility hurting my portfolio

Taxes in retirement

Stage Score

Your stage: Foundation Building

Building Your Foundation

The habits you set now do the heaviest lifting.

Time is the most valuable asset you have, and it is the one thing that cannot be bought back later. The priority at this stage is structure: knowing what to fund first, protecting against the setbacks that derail progress, and letting compounding work without interruption.

Where we would start

Build an emergency reserve covering three to six months
Capture the full employer match before anything else
Choose between Roth and traditional contributions deliberately
Review insurance coverage against current obligations
Automate contributions so progress does not depend on attention

More about this stage →

Your stage: Mid-Career Growth

Accelerating Toward Your Goals

You're in a critical wealth-building window.

You're in the accumulation phase where compounding begins to show meaningful results. This is the time to stress-test your retirement income projections, consider tax diversification strategies, and begin thinking more concretely about when and how you want to retire.

Where we would start

Stress-test retirement projections against multiple scenarios
Diversify across taxable, tax-deferred, and Roth accounts
Consider catch-up contributions if over 50
Review and rebalance asset allocation annually
Begin Social Security optimization planning

More about this stage →

Your stage: Approaching Retirement

The Decisions That Matter Most

This decade shapes the next three.

Retirement is close enough to plan in detail. Sequencing matters more than returns now — the order in which you claim, convert, and draw has a direct effect on how long the money lasts.

Where we would start

Model Social Security claiming scenarios, including spousal coordination
Map the gap between retirement and Medicare eligibility
Identify Roth conversion windows before required distributions begin
Establish an income floor covering essential expenses
Reposition the portfolio to reduce sequence-of-returns exposure

More about this stage →

Your stage: Living in Retirement

Making It Last, and Making It Count

The goal shifts from growing to sustaining.

The questions change once the paychecks stop. Withdrawal rate, tax efficiency across account types, healthcare, and what you intend to leave behind all move to the front.

Where we would start

Review withdrawal rate against portfolio performance and spending
Sequence withdrawals across account types for tax efficiency
Confirm beneficiary designations are current on every account
Plan for healthcare and long-term care contingencies
Coordinate estate documents with the income plan

More about this stage →

Your responses are confidential and used only to generate your personalized stage profile.

This assessment is provided for educational purposes only. Results are based solely on the information you provide and do not constitute investment advice, a recommendation, or an offer of any specific product or service. Your individual circumstances may differ. Please consult a qualified professional before making financial decisions.

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Pinpoint Your Stage

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A Personalized Action Plan

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Start the Conversation

Share your results directly with Kevin or Mitch to hit the ground running in your first consultation.

Where are youon your journey?

Building Your Foundation

Accelerating Toward Your Goals

The Decisions That Matter Most

Making It Last, and Making It Count

Pinpoint Your Stage

A Personalized Action Plan

Start the Conversation

Where are you
on your journey?