Old school wisdom. New school tools. Zero agenda.
🔒 Secure & Private
Your privacy is protected. We never sell, share, or use your information for marketing. Your answers are used solely to build your personalized retirement roadmap. We do not store account numbers, Social Security numbers, or passwords — we never ask for them.
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Your Retirement Roadmap Starts Here

Answer a few questions about your financial picture and we will build a personalized retirement roadmap — with real projections, plain English explanations, and zero agenda. No jargon. No sales pitch. Just clarity.

No account numbers needed Takes about 5 minutes No SSN or sensitive data
🔒
Your privacy matters. We only need your email to deliver your roadmap. We never ask for account numbers, Social Security numbers, or passwords. Your data is never sold or shared for marketing. Ever.
Helps us personalize your report. First name only — we keep it simple.
Planning together? We will acknowledge both of you throughout the report.
No financial jargon needed. Just describe the life you want — where you live, what you do, what matters most. This shapes the tone and focus of your entire report.
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Section 2 of 8
About You
A few basics to anchor your projections.
Enter your best estimate. You can always adjust — this is a planning target, not a commitment. Range: 45–75.
Please enter a retirement age between 45 and 75.
We recommend planning conservatively — to age 90 or beyond. Running out of money is a bigger risk than having too much.
Please select a planning horizon.
Please select your marital status.
👫 Partner Details
⚠ Age gap noted. You and your partner have a significant age difference. Your report will include specific notes on survivor benefit planning and two-phase retirement income modeling.
Please select your filing status.
Please select your employment type.
Please select your partner's employment type.
For S-Corp owners: enter your W-2 wages and gross K-1 separately in the Income step. We apply the 20% QBI deduction automatically. Do not enter distributions separately — they are already captured in your K-1.
For sole proprietors: your SEP-IRA contribution limit is up to 20% of net self-employment income. We will calculate this for you in the projections.
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Section 3 of 8
Your Income
Your household income and any expected changes.
Please add at least one income source.
For example: retiring, switching careers, stopping a business, receiving an inheritance, or a spouse stopping work. You can add up to three income change events.
You can add up to 4 income change events — for example, Mike retiring in 2029 and Michelle retiring in 2040.
Please indicate whether your income will change.
For example: your partner retiring, reducing hours, changing careers, or stopping work entirely.
You can add up to 4 partner income change events.
Include government, military, or private employer pensions.
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Section 4 of 8
Savings & Accounts
Your retirement and investment accounts.
Each person's Roth situation is entered separately — you may be at different stages in your Roth journey.
👤 You
👤 Partner / Spouse
Partner Roth Conversion
$
Partner Direct Roth Contributions
$
Partner Backdoor Roth
$
Please indicate your Roth IRA account status.
For S-Corp owners: enter your SEP-IRA or Solo 401(k) here. For married couples: use the Account Owner field to indicate whose account it is — this matters for RMD planning.
Please indicate whether you have pre-tax accounts.
Individual brokerage, joint brokerage, trust accounts — not retirement accounts.
Please indicate whether you have brokerage accounts.
Checking, savings, money market. Emergency fund and operating reserves.
or exact:
$
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Section 5 of 8
Expenses & Debt
Monthly spending and any outstanding debt.
Include everything — housing, food, utilities, subscriptions, entertainment, travel. Do not include income taxes. Estimate your typical month.
or exact:
$
/mo
Please select a range or enter your exact monthly expenses.
$
We model your mortgage P&I payment dropping off at payoff. Property taxes and insurance continue — factor those into your expense estimate above.
Please indicate whether you own or rent.
Please indicate your debt situation.
Optional
Discretionary Retirement Spending
Travel, hobbies, gifts, giving — spending beyond your regular monthly expenses. Helps us show where this money comes from in your retirement arc table.
Examples: international travel, hobbies, gifts to family, charitable giving, vacation home, home renovations.
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Section 6 of 8
Social Security
Your Social Security plan and partner coordination.
Important — if you claim early while still working: If you claim Social Security before your Full Retirement Age (67) and are still earning income, SSA withholds $1 for every $2 you earn above $24,480/yr. Those withheld payments are not lost — at your Full Retirement Age ("FRA"), SSA permanently increases your monthly benefit to add the credit back.
Claiming at 62 permanently reduces your benefit by up to 30%. Waiting until 70 increases it by up to 24% above your FRA benefit.
Please select your Social Security claiming preference.
From your annual SS statement at ssa.gov — the amount shown at your Full Retirement Age (67). If unavailable, leave blank and we will estimate based on your income.
$ /mo at FRA
👫 Partner's Social Security
For married couples, Social Security provides two separate income streams. Coordinating when each of you claims can significantly increase your combined lifetime benefit. The surviving spouse keeps the higher of the two benefits for life — making the higher earner's claiming age one of the most important decisions you make together.
$ /mo at FRA
If your partner's own benefit is less than 50% of your FRA benefit, they automatically receive the spousal benefit (the higher amount). We account for this in your report.
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Section 7 of 8
Goals & Investment Style
Your concerns, investment approach, and email.
Please select your primary concern.
No wrong answer — this shapes the return assumptions behind your projections.
Please select your investment approach.
This is how we deliver your roadmap — and your account key for the 7-Day Data Refresh. We never share your email.
Please enter a valid email address.
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Section 8 of 8
Review & Submit
Check everything before we build your roadmap.

7-Day My Data Refresh

Even after you submit, if you realize you entered something incorrectly, click the correction link in your delivery email within 7 days. Your intake form opens pre-filled — correct your own data and resubmit. A revised report is delivered within minutes at no charge.

Once you confirm, your roadmap will be built and delivered to your email within a few minutes.

Ready to build your roadmap?
Fill in all sections above, then confirm below.