See the whole retirement picture

Retirement Readiness Check

Organize the accounts you have, the savings you are building, the debt and housing obligations you carry, and the retirement questions that may deserve a closer look.

Start the Retirement Readiness Check

Educational diagnostic only. Use rounded estimates. Do not enter account numbers, Social Security numbers, passwords or other sensitive identifiers.

Illustrative mockup. Not the actual tool. Fictional sample only. It is not an actual client result or guarantee.

Household & goalsStart with the retirement timeline and household picture.

Accounts & savingsOrganize retirement, investment and cash accounts.

Debt & housingPut mortgage, debt and cash-flow obligations in context.

Readiness diagnosticReview an educational score and planning questions.

How the check works

Work through the retirement picture in plain English.

The tool is designed to keep the inputs understandable, use rounded estimates and show what is being considered before any result is displayed.

Step One

Start with the household and the goal.

Begin with the household, the retirement timeline and the people the plan needs to support.

Actual Retirement Readiness Check household step

Actual interface screenshot. Sample values are shown only to demonstrate the tool.

Step Two

Inventory the accounts already in place.

Organize the retirement and investment accounts the household already owns, along with the savings being added.

Actual Retirement Readiness Check account inventory step

Actual interface screenshot. Sample balances and contributions are illustrative.

Step Three

Put debt, housing and cash flow in context.

Bring debt obligations, housing and current household spending into the same retirement picture.

Actual Retirement Readiness Check debt and cash flow step

Actual interface screenshot. Sample debt and spending entries are illustrative.

Finish with a few planning questions

A few planning questions complete the picture.

The Readiness Check asks a few high-level questions about beneficiaries, health-care planning, estate documents and retirement-income planning. You can skip items you do not want to answer.

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No document reviewThe tool records whether certain planning items appear to be in place; it does not evaluate legal documents.

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Standardized assumptions are shownGrowth, inflation and withdrawal assumptions are disclosed inside the tool and applied consistently for educational illustration.

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Contact information comes laterContact information is requested after the household inputs and before the full diagnostic is shown.

Representative Retirement Readiness Check quick planning questions interface

Four quick checks before the diagnostic

Representative interface preview. Example selections are illustrative.

Illustrative sample results from the Retirement Readiness Check with projected dollar amounts blurred

Illustrative sample output. Values shown come from a fictional sample household. They are not actual client results or guarantees. The live tool uses the standardized assumptions disclosed in the tool.

What the diagnostic can show

A clearer view of the areas to review.

The result organizes the information entered into an educational readiness score, a funding illustration and a set of planning areas to review. It is intended to help frame questions, not tell you what to buy, sell, contribute, withdraw, roll over or change.

The calculation is not a financial plan and does not determine whether any account, investment, tax strategy or planning action is appropriate for you.

Build My Readiness Diagnostic

Important information

This is a retirement readiness check, not a financial plan.

The results use the information entered and the standardized assumptions shown in the tool.

Educational, not advisory

A score or projection is an educational illustration. It does not create an advisory relationship or determine suitability.

Assumptions, not forecasts

Standardized assumptions are not predictions. Actual returns, inflation, taxes, fees, spending, benefits, laws and account rules can differ materially.

Your data should stay simple

Rounded estimates are enough. Do not submit account numbers, Social Security numbers, passwords or other sensitive identifiers.

See your retirement picture

Put the pieces of your retirement picture in one place.

Start with the information you know. The Retirement Readiness Check is designed to organize the household picture and show planning questions worth reviewing.

Start the Retirement Readiness Check

Important information about this educational check.

The Retirement Readiness Check and this webpage are for informational and educational purposes only. They are not a financial plan, individualized investment recommendation, tax determination, legal or accounting advice, eligibility determination, valuation, actual or backtested performance presentation, or a representation or guarantee of future investment performance.

Nothing presented constitutes a recommendation to buy, sell, hold, roll over, contribute to, withdraw from, establish, fund, amend, gift, transfer, insure or terminate any account, asset, security, investment, trust, insurance product or transaction. Account availability, eligibility, tax treatment, risks and appropriate strategies require individual review.

The Retirement Readiness Check uses standardized assumptions for educational illustration. Actual investment returns, inflation, taxes, fees, spending, Social Security, pensions, withdrawals, laws and account rules can differ materially from the illustration. No result is guaranteed. Use or submission of this webpage or the tool does not create an advisory relationship. Advisory services are provided only pursuant to a written advisory agreement and where Kintail Advisors and its representatives are properly registered or exempt from registration.