Retirement Risk Assessment

Is Your Plan Built for the Next 30 Years?

Most retirement plans are built for accumulation — not for turning savings into income that actually lasts. This free 3-minute assessment shows you exactly where your plan is vulnerable.

What We'll Assess

Whether your income can cover your actual expenses

How exposed you are to a market downturn

Whether your Social Security and pension fill the gap

The probability your plan sustains you through retirement

⏱ 3 minutes · No obligation · No cost · Results shown immediately

Where should we call you with your results?

Enter your details below and we'll reach out as soon as your assessment is complete — usually within a few minutes.

First Name

Phone Number

🔒 Your information is kept private and never shared.

HIGH RISK

Your Plan Has Significant Exposure

High Risk — Vulnerable to Market Timing

Estimated Probability of Running Short in Retirement

Based on your income sources, expenses, and savings — there is a significant chance your plan runs short before age 90.

Based on your responses, your retirement plan is heavily dependent on market performance — particularly in the early years. This creates a situation where a single downturn at the wrong time could force you to either reduce your lifestyle or withdraw from investments while they're down, permanently locking in losses.

This isn't a savings problem. It's a structural problem.

"The issue isn't how much you've built — it's how your income is organized."

Identified Risk Factors

Your Key Vulnerabilities

💡

The Good News: This Can Be Fixed

The issue isn't how much you've saved — it's how your income is structured. A properly designed retirement plan separates your essential income from market risk, so your lifestyle isn't dependent on market timing.

With the right structure in place, you eliminate the need to make reactive decisions during downturns and create a more predictable, durable income stream.

The Solution

What a Protected Retirement Strategy Includes

These are the structural elements that separate durable retirement income from fragile ones.

🛡️ Volatility Buffer

A dedicated short-term reserve that protects you from selling investments during downturns.

📅 Guaranteed Income Layer

Structured income sources that pay regardless of what markets do — a true retirement paycheck.

🏦 Tax-Efficient Withdrawal Plan

A sequenced strategy for drawing from taxable, tax-deferred, and tax-free accounts to minimize lifetime taxes.

🪣 Three-Bucket Strategy

A segmented portfolio design — short, mid, and long-term — that keeps income flowing no matter the market.

Next Step

What Would It Take to Fix This?

Where your current plan is most vulnerable

How much income is actually at risk

What changes would reduce that risk immediately

What a more stable, protected structure could look like

Kyle McMillan Senior Retirement Strategist

Book a Call with Kyle →

This isn't about replacing everything. It's about fixing the parts that matter most.
Most people wait until a downturn exposes the problem. This is your chance to fix it before that happens.