Getting to know you
We start with where you are and what you want retirement to look like. This one is just a conversation about your situation and what is on your mind. No documents required yet.
Free retirement readiness check
Find out where you actually stand, before you decide anything.
A free retirement readiness check for people within ten years of retiring. You get a clear read on your income, savings, and expenses, and an honest answer to the question underneath all of it: are you on track? No cost, no obligation.
Free, no obligation
Three meetings
A clear read on where you are headed
What you will learn
See your current path, in plain numbers.
The readiness check has one job: to show you whether your current path gets you to the retirement you have in mind, or whether it is off course. It is not a generic calculator, and it is not a sales meeting. We look at your real numbers together and give you an honest read on where you are headed, with no commitment to go any further.
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Where your income will come from once the paychecks stop, and whether it covers your needs.
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Whether what you have saved, and how it is invested, lines up with the retirement you have in mind.
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What your life costs now, and what you expect it to cost then.
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How much of your essential spending is already covered by reliable income, so you can see where the gaps are.
How it works
Three meetings over four to six weeks.
Done virtually. Each one builds on the last, so by the end you have a real answer.
Your cashflow and goals
We review your income and spending today, and what you expect your life to cost in retirement, and I make sure everything is entered correctly. We also talk through your financial goals, so the picture reflects what actually matters to you.
Where you stand
I walk you through a clear picture of whether your current path is on track, using your real numbers. You leave knowing where your path looks strong and where it looks thin.
Why it is free
Why is the readiness check free?
There is no catch, but there is a reason. Many people have never worked with a comprehensive financial planner, and showing you is better than describing it. Plenty of people who do the readiness check are not ready to hire anyone yet, and that is fine. Some come back a year later, some never do, and some realize they are more on track than they feared and just needed to see it. If ongoing planning turns out to be a good fit, I will tell you, and you decide from there with no pressure.
Common questions
The readiness check, answered
How do I know if I am on track to retire?
You are on track if your reliable income, plus what your savings can support, covers what you expect to spend in retirement, taxes and health care included. I organize your accounts, income sources, and goals into one picture, so you can see where you actually stand. From there I map the decisions ahead and the order to make them in.
Do I have to become a client to do the readiness check?
No. The check is free and standalone. If you decide you want ongoing planning afterward, that is a separate decision you make on your own timeline.
Is my financial information safe?
Yes. Your information lives in the same secure planning software my clients use, protected by the safeguards described in the Privacy Policy. It is never sold, and it is shared only as the Privacy Policy describes. You control what you enter. Read the Privacy Policy.
How long does it take?
Three meetings, each lasting 60 to 90 minutes, over about four to six weeks. Gathering the financial documents I will need usually takes people a few hours in one evening.
What do I get at the end?
A clear read on where you stand today across your income, savings, investments, and expenses, and where your current path leads. It is an overview of where you are headed, not financial advice or a full plan, and it is enough to know whether you are on track.