Do you offer virtual financial planning consultations?

Yes. We offer both in-person meetings at our Northlake office and secure virtual consultations for clients who prefer to meet online, so you can get advice from anywhere.

Do I have enough saved to be a client?

Our typical client has saved between $300k and $3M and plans to retire in the next 1–10 years. Many of our Northlake neighbors fall in that range. If you're close, let's talk — no judgment, just honest guidance.

How will my money be invested and guarded in a market crash?

We use a bucket strategy. Your growth bucket holds custom ETF/stock portfolios with dynamic guardrails, and your income bucket includes pensions, Social Security, and next-gen annuities if appropriate. These guardrails help throttle withdrawals when markets dip.

Retirement Income.

Calculated.

In 60 Seconds.

No spreadsheets. No jargon. Plug in your numbers and see a paycheck you can live on.

How much could you retire on today?

Estimate a conservative portfolio income (guardrails) vs a life annuity (no COLA by default). Add Social Security and see if essentials are covered. 🔒 Privacy-first: calculations happen in your browser only.

Age: 65 Retirement Savings

Monthly Social Security (household)

Risk Preference

Annuity Options

Joint life (approx. −12% payout) 10-year certain (approx. −4%)

COLA escalator

Inflation (for real-power preview)

2.5%

Spending

Essentials (monthly)

Discretionary (monthly)

Remember my inputs on this device

Book your free retirement gap call

Assumptions

Guardrail withdrawal: initial rate rises with age (approx. 3.0% at 50 → 4.5% at 70) and shifts ±0.3% with risk preference.
Life annuity: single-life, no refund/COLA baseline with payout rising by age (approx. 5.0% at 50 → 8.5% at 70). Joint/certain/COLA apply rule‑of‑thumb haircuts shown.
Inflation preview: shows estimated buying power over time; COLA option increases nominal checks by chosen %.
Estimates only. Not quotes or advice. For a personalized plan, book your free retirement gap call.

Conservative Portfolio (Guardrails)

$40,000/yr

$3,333/mo

Initial withdrawal ~4.0%

Essentials coverage: —

Life Annuity

$75,000/yr

$6,250/mo

Rate ~7.5% (life‑only)

Real buying power (today’s $):

10 yrs

—

20 yrs

—

30 yrs

—

Essentials coverage: —

Total Income (with Social Security)

Portfolio + SS: $0

Annuity + SS: $0