Confidential Review
Your Complete Retirement Review
A personalized roadmap built around your life, your family, and your goals.
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Client Profile
Client Information
Single
Married
Client 2 — Spouse / Partner
Full profile for joint planning
Children
Pension Analysis
Pension System Client 1
Auto-detected from state and hire date
Pension Calculator
FAS and YOS auto-calculated from profile
YOUR ESTIMATED MONTHLY PENSION AT AGE 65
$0
per month for life
Retirement Age Comparison
Enter ages only. YOS and FAS auto-calculate per option.
Option A
Option B
Option C
PLOP / PLSO Calculator
Survivor Benefits
Age-adjusted actuarial estimates. Pulls spouse age from Profile.
Note: Reductions are actuarial estimates based on member and spouse ages. Actual reductions are determined by your state pension system at the time of retirement. Younger spouse = higher reduction (benefit paid longer). These estimates use standard mortality-adjusted factors.
Retiree Medical Benefits Client 1
State pension retiree health coverage and estimated premiums
Pension System Spouse
Auto-detected from spouse state
Pension Calculator Spouse
FAS and YOS auto-calculated from profile
Retirement Age Comparison
Enter ages only. YOS and FAS auto-calculate per option.
Option A
Option B
Option C
PLOP / PLSO Calculator Spouse
Survivor Benefits Spouse
Age-adjusted actuarial estimates. Pulls client 1 age from Profile.
Note: Reductions are actuarial estimates based on member and spouse ages. Actual reductions are determined by your state pension system at the time of retirement. Younger spouse = higher reduction (benefit paid longer). These estimates use standard mortality-adjusted factors.
Retiree Medical Benefits Spouse
State pension retiree health coverage and estimated premiums
Income Planner
Current Income
Retirement Income
Social Security
Quick Estimator
Based on FRA 67. You can override any age below after auto-fill.
Account Setup
| Account | Balance | Mode | Ee Contr | Match% | MatchCap | ErBase% | Start Age |
|---|
Year-by-Year Timeline
Income Gap Analysis
Current Income Spouse
Retirement Income Spouse
Social Security Spouse
Quick Estimator
Account Setup Spouse
| Account | Balance | Mode | Ee Contr | Match% | MatchCap | ErBase% | Start Age |
|---|
Year-by-Year Timeline Spouse
Income Gap Analysis Spouse
Combined Household Income
Client 1 + Spouse combined
Household Year-by-Year Timeline
Household Income Gap
Debts & Expenses
Debt Inventory
Zeroed defaults. Balances feed insurance.
☑TypeCreditorBalanceRate%Mo PmtYrs Left
Payoff Timeline
Strategies
Click a strategy to see full payoff schedule
Monthly Expense Budget
Estimate retirement living expenses. Total feeds into income goal.
Category$/Month
Sets the Income Planner goal to your total annual expenses
Life Insurance Analysis
LIFE INSURANCE | DISABILITY | LTC | CRITICAL ILLNESS
| Owner | Company | Premium ($/mo) | Plan Type | Coverage ($) | Cash Value? |
|---|
Coverage Calculator Client 1
Coverage Calculator Spouse
Year-by-Year Needs Client 1
Ins(Inv) + Ins(Pen) = Total
Year-by-Year Needs Spouse
Portfolio Inventory & Stress Test
Portfolio Import Client 1
📂
Drag and drop a statement or spreadsheet
Accepts PDF statements, .csv, .xlsx, .xls files
Stress Test Client 1
Plan Resilience — Probability of Success Client 1
Portfolio Import Spouse
📂
Drag and drop a statement or spreadsheet
Accepts PDF statements, .csv, .xlsx, .xls files
Stress Test Spouse
Plan Resilience — Probability of Success Spouse
Combined Household Portfolio
See how both portfolios work together as one whole
Household Stress Test
Combined portfolio under market scenarios
Household Withdrawal Sustainability
Allocation by Owner
Tax Analysis
Current Brackets
Retirement Brackets
Withdrawal Order
Roth Conversion Window Client 1
Roth Conversion Window Spouse
Coordinated Roth Strategy
Which spouse should convert first and how much
RMD Projections
Required Minimum Distributions from tax-deferred accounts starting at age 73
Medicare Planning
| Part | Covers | ~Cost | Notes |
|---|---|---|---|
| A | Hospital | $0/mo | Free if 40+ qtrs |
| B | Doctor | ~$185/mo | Enroll at 65 |
| C | Bundled | Varies | Private plan |
| D | Rx | ~$40-100 | Separate |
| Medigap | Gaps | ~$120-250 | Recommended |
Client 1
Spouse
Retiree Health Cost Projection
Estimated costs from retirement through Medicare and beyond
Estate Planning
Estate Documents Client 1
Estate Documents Spouse
Beneficiary Coordination
Track primary and contingent beneficiaries across accounts
Risk Profile Assessment
Risk Tolerance Questionnaire Client 1
1. When do you plan to begin withdrawing from investments?
2. What is your primary investment goal?
3. If your portfolio dropped 20% in one year, what would you do?
4. What is the maximum annual loss you could tolerate without losing sleep?
5. How would you describe your investment knowledge?
6. Which best describes your comfort with market ups and downs?
7. If you had to choose, which matters more?
Risk Tolerance Questionnaire Spouse
Executive Summary
What did we cover today?
Check the topics discussed — only checked items appear on the summary
Next Steps
Thank you for trusting me with your financial future.
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