The Retirement Diagnostic
Understand Your Retirement-Income Picture
A structured, one-on-one process designed to help you understand what you have, what you'll need, and whether your current resources can provide the retirement income you need.
What It Is
Start With a Clear Picture of Your Retirement Income
Most people approaching retirement have a general sense that they've saved — but no clear picture of what that savings will actually produce as income. They don't know how long it will last, how to sequence withdrawals, when to claim Social Security, or how to account for healthcare costs and inflation.
A Retirement Diagnostic is a structured, one-on-one session designed to change that. It's not a financial plan. It's not investment advice. It's not a product presentation. It is a focused, honest look at your retirement-income situation — built around your numbers, your timeline, and your goals.
You leave with a clearer picture of where you stand and what decisions are in front of you. What you do with that clarity is entirely up to you.
Not a One-Size-Fits-All Approach
Every retirement situation is different. Your Diagnostic focuses on your individual income needs, retirement resources, timeline and goals.
Not a Product-First Conversation
We begin by identifying your retirement-income needs before considering strategies or insurance-based solutions.
Not Investment Management
Retirement Diagnostics specializes in retirement-income education and insurance-based income strategies, not managing investment portfolios.
Not a Replacement for Your Existing Advisor
The Retirement Diagnostic can complement your existing financial relationships by focusing specifically on creating dependable retirement income.
What We Cover
Topics Addressed in a Retirement Diagnostic
Your income sources
Social Security, pensions (if any), 401(k)/IRA/403(b) balances, and any other income you expect in retirement.
Social Security considerations
How claiming age, spousal benefits and other factors may affect your retirement income.
Your Retirement-Income Gap
Compare the income you expect from Social Security, pensions and other dependable sources with the income you anticipate needing in retirement.
Sequence-of-returns risk
How a market downturn early in retirement can permanently damage your income — and how to think about managing that risk.
Healthcare costs
Bridging the gap to Medicare, Medicare costs in retirement, and long-term care considerations.
Inflation
How inflation erodes purchasing power over a 20–30 year retirement, and how to account for it in your income plan.
The Process
What to Expect
01
Schedule your session
Choose a time that works for you. Sessions are available in person or virtually. Plan for approximately 60–90 minutes.
02
Gather your information
Before your session, you'll receive a short list of information to pull together — recent statements, Social Security estimates, and a few other basics. Nothing complicated.
03
Work through your picture
In the session, we'll walk through your income sources, your timeline, and the key decisions ahead of you — systematically and without jargon.
04
Leave with clarity
You'll leave the session with a clear understanding of your retirement-income picture and the decisions that matter most for your situation.
The Retirement Diagnostic Is Right for You If…
You're within 5–10 years of retirement and starting to think seriously about income.
You have retirement savings but no traditional pension.
You want to understand your retirement-income situation before considering potential solutions.
You're not sure where to start, or you want a second opinion on your current thinking.
Schedule Your Retirement Diagnostic
Sessions are available in person or virtually. There is no cost and no obligation beyond the session itself.