Start with the household and the goal.
Use rounded estimates. Do not enter account numbers, Social Security numbers or other sensitive identifiers.
Who is retirement for?
Income and your retirement goal
Work and business context
Unlock your Retirement Readiness Check.
Kintail Advisors will retain the submitted snapshot and a follow-up task so the conversation can start with the issues the tool identified.
Readiness snapshot
Five-part readiness score
A simple view of the five areas used in your readiness score.
Funding picture
How Your Retirement Savings Could Grow
Start with what you have today, then see the projected value at retirement and how that compares with your estimated spending need.
Today's monthly lifestyle → estimated monthly cost at retirement
Inflation makes the same lifestyle cost more over time. Here is what your monthly goal could look like by retirement.
Your account coverage map
“Review” does not mean an account is appropriate or available. It means the answer created a question worth verifying.
Highest-priority planning questions
These are educational prompts generated from the answers, not individualized instructions.
Debt and housing snapshot
Conversation roadmap
See what changes the modeled picture
Adjust these educational “what-if” levers. They are not recommendations and do not consider tax, eligibility, cash-flow or investment constraints.
Standardized assumptions and purchasing-power treatment
Important assumptions & limitations
Illustrative, deterministic calculation. This diagnostic applies fixed assumptions every year. It is not a Monte Carlo analysis, does not assign a probability of success, and does not predict actual market returns, inflation, retirement dates, spending, Social Security, pension benefits or longevity.
Fees, expenses and taxes. The 6.0% rate is the standardized nominal annual net growth assumption used by this illustration; it is not gross or net performance of Kintail Advisors, any client account, model portfolio or security. The tool does not separately deduct Kintail advisory fees, underlying fund expenses, trading costs, taxes or other expenses. Actual net results can be materially higher or lower.
Retirement income. The retirement spending goal is inflated at 2.5% annually. Entered Social Security and pension income is held flat and receives no modeled COLA. Social Security claiming rules, future legislative changes, pension elections, benefit reductions, taxation and actual cost-of-living adjustments are not modeled.
4% withdrawal illustration and 4% arithmetic reference. The projected annual and monthly disbursement amounts equal 4.0% of the modeled retirement assets. The projected excess/shortfall compares that arithmetic amount with the modeled annual/monthly amount the portfolio would need to provide. These are standardized educational calculations, not recommended withdrawals, income guarantees, safe-withdrawal conclusions or sustainability analyses. The tool does not model portfolio withdrawals during the accumulation period and does not evaluate longevity, market sequence, taxes, fees, asset allocation or changing spending when displaying these amounts.
Other omissions. The tool does not fully model return sequence, volatility, contribution limits, account eligibility, required minimum distributions, Roth conversions, Medicare, health-care inflation, long-term care, insurance, survivor needs, estate planning, changing debt payments, refinancing, changing interest rates or changes in law. Home equity and cash are shown separately and are not counted as retirement portfolio assets. HSA amounts are included as retirement assets only when the user designates them that way; actual use and tax treatment may differ.
The score, projected funding gap or surplus, and illustrative savings difference are mathematical outputs under the stated assumptions. They are not financial-plan conclusions or instructions to contribute, withdraw, roll over, buy, sell, hold, establish, fund, amend or terminate any account, investment, insurance product, trust or transaction.