Three calculators. Three problems most pre-retirees don't know they have — until it's too late to fix them.
The difference between what your guaranteed income covers and what you actually need to live on. Most pre-retirees have a gap. The question is how big — and what fills it.
Guaranteed income strategies, annuity income floors, and Social Security optimization can close this gap before you retire. But only if you act before the window closes.
At age 73 (or 75 if born after 1960), the IRS forces you to start withdrawing from your 401k and IRA — whether you need the money or not. Every dollar is taxed as ordinary income. Here's what that looks like for you.
Roth conversions, income distribution sequencing, and guaranteed income restructuring can dramatically reduce what the IRS collects from your retirement accounts.
Every year you wait on Social Security, RMD planning, or income gap strategy is a year of options that disappear. The review is free. The cost of not having it isn't.
Schedule Your Free Income ReviewNo products pushed. No pressure. Just a focused conversation about your retirement income picture.
Your Social Security
Timing Cost
Claiming Social Security at 62 vs. 70 is not just a timing preference — it's a permanent, irrevocable decision worth hundreds of thousands of dollars over your lifetime. See exactly what each strategy costs you.
Once you file, the reduction is permanent. Coordinating your claim with spousal benefits, tax bracket management, and income sequencing can add $100,000 or more to your lifetime income.