Most retirement problems are not caused by investment performance
alone.
They come from overlooked risks involving taxes, retirement income,
withdrawal strategy, fees, Social Security, and lack of coordination.
Our Retirement Stress Test is designed to help uncover potential gaps
before they become costly retirement mistakes.
Many retirees have investment accounts, retirement plans, and tax strategies — but very few have all of those pieces coordinated together.
The Retirement Stress Test helps identify potential gaps involving taxes, retirement income, fees, withdrawal strategy, Social Security, and portfolio structure before retirement decisions become irreversible.
Watch a 2-minute overview with Justin Brady — see how a Retirement Stress Test can help uncover hidden planning opportunities
Three powerful insights into what your retirement plan may be missing
A personalized report showing how current and upcoming tax law affects your specific retirement accounts and income strategy.
We use advanced technology to audit the accounts other advisors ignore, identifying hidden fees and investment risks.
Discover the exact dollar amount you can convert to a Roth IRA today to lock in lower tax rates for life.
Many individuals spend decades saving and investing for retirement — but surprisingly few have ever had their complete retirement plan reviewed from an income, tax, and risk perspective.
Over the years, we've found that even financially successful families often have hidden gaps or overlooked planning opportunities that may create unnecessary stress later in retirement.
A Retirement Stress Test is designed to help identify potential risks before they become larger problems.
Many retirees accumulate multiple retirement accounts throughout their careers. Over time, old accounts may contain outdated investments, unnecessary fees, overlapping holdings, or beneficiary issues that have gone unreviewed for years.
Taxes can become one of the largest expenses retirees face. Large retirement account balances may eventually create Required Minimum Distributions (RMDs), increased Social Security taxation, Medicare premium increases, and reduced retirement income flexibility.
The investment strategy that helped build wealth during working years may not always align with retirement income needs. We often review whether portfolios are appropriately aligned with retirement goals, income needs, and long-term risk tolerance.
Retirement is not simply about growing assets — it's about coordinating withdrawals, Social Security, pensions, investment income, and cash reserves into a sustainable retirement income strategy.
Many retirees claim Social Security without understanding how timing decisions may affect lifetime retirement income, taxes, survivor benefits, and long-term flexibility.
Large retirement account balances may eventually create substantial taxable distributions later in retirement. We often evaluate future RMD exposure, Roth conversion opportunities, and long-term tax planning considerations.
Healthcare costs are one of the most underestimated retirement expenses. Retirement planning should include Medicare planning, healthcare costs, and long-term retirement cash flow considerations.
Adjust the slider to see how a potential rate increase from 37% to 39.6% could affect your retirement income.
$100,000
Current Rate (37%)
$37,000
Tax Paid
Potential Rate (39.6%)
$39,600
Tax Paid
Potential Increase
+$2,600
Per Year
*This calculator is for educational purposes only and does not constitute financial advice. Individual results may vary based on specific tax situations.
These documents allow us to perform the most meaningful analysis of your retirement plan.
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