Retirement Income
Are You Ready for Retirement?
In a few minutes you can see whether you are on track to retire comfortably — or whether it is time to adjust your strategy.
Overview
Retirement readiness, in plain numbers
Retirement is less a date than a funding question. These are the four variables that decide the answer, and the ones we work through with every client approaching the transition.
What you have saved
Balances across retirement accounts, taxable investments and cash reserves — and how each is taxed when it is spent.
What you keep adding
Annual contributions, employer matches and the years remaining for them to compound before withdrawals begin.
What you will need
The share of today's income required to maintain the life you want, adjusted for the spending that actually changes in retirement.
What arrives on its own
Social Security, pensions and other guaranteed income that reduce the amount your portfolio must produce each month.
Calculator
Your retirement readiness
Fill in your situation below. The projection compares the monthly income your savings are on pace to produce against the income you say you will need.
Projected savings at retirement
$2,523,208
Estimated monthly income
$11,411
Monthly income you said you need
$13,333
Projected monthly shortfall
$1,923
A shortfall today is not a verdict. Saving rate, retirement date and withdrawal order can all close it.
Your options
What we do with the answer
A number on a screen is a starting point. The work is in what happens next.
Sequence your income
We decide which accounts to draw from, and in what order, to keep lifetime taxes low and income steady.
Time Social Security
Claiming age can move lifetime benefits meaningfully. We model the options against your health, work plans and spousal benefits.
Protect against sequence risk
A poor market in the first retirement years does lasting damage. We hold a deliberate reserve so you are never a forced seller.
Revisit every year
Spending, tax law and markets all move. The plan is reviewed annually rather than filed away.
This is a hypothetical example used for illustrative purposes only. It is not representative of any specific investment or combination of investments. Monthly income is based on an annual withdrawal rate of 4%. Calculations are based on annual compounding and annual contributions.