Do you have a retirement planning opportunity worth acting on?
Some households hold qualified savings with real future tax exposure and a clear window to plan around it. Others do not. The Four-Box Test screens your situation so you know, candidly, whether a planning conversation is likely to be worth your time.
Free. 7 questions. About 60 seconds.
Your opportunity score
Strong fitQualified balance
Guaranteed income coverage
Planning window
Verdict: you qualify for a conversation that is worth your time
Four factors decide whether planning pays off.
We look at the same four things a planning conversation would start with. Together they tell us whether our proactive retirement planning is likely to move the needle for you.
Age and timing
Where you sit in the retirement window, and how much runway you still have to plan before key thresholds arrive.
Qualified balance
How much sits in IRAs, 401(k)s and SIMPLE IRAs, where future tax exposure tends to build up quietly over time.
Guaranteed income
How much of your monthly income is dependable, from sources like Social Security, pensions and rental income.
Essential expense coverage
How much of your guaranteed income your essential expenses consume, and how much flexibility that leaves for planning.
A candid read on fit, before you book anyone's time.
- 1
Answer 7 quick questions
Add your name and email, then tell us about your accounts, income and timing.
- 2
See your opportunity score
One overall score and a clear tier: strong fit, possible fit, or not a fit right now.
- 3
Decide your next step
If a conversation is likely worthwhile, we will tell you. If it is not, we will say so.
Before you begin
See whether your retirement tax opportunity is worth a conversation.
The window to plan narrows every year. Three minutes now tells you, candidly, whether acting sooner could matter for you.
Free. 7 questions. About 3 minutes.
