How ready are you
to retire?
Answer 8 questions and get a score across six dimensions of retirement readiness — plus a prioritized action plan.
Where will your monthly income come from in retirement?
Select the option that best describes your expected income structure.
Multiple sources — Social Security, portfolio, pension, and/or rental income
A diversified income architecture with at least 3 distinct sources.
Two sources — primarily Social Security and portfolio withdrawals
Workable, but heavily dependent on portfolio discipline and market timing.
Primarily my portfolio — no pension, Social Security timing unplanned
High concentration in a single source; withdrawal rate becomes critical.
I haven't mapped this out in detail yet
A foundational gap — this is the first thing to address.
Have you modeled the optimal age to claim Social Security?
Claiming at the wrong time is one of the most common and costly retirement mistakes. Delaying from 62 to 70 can increase your monthly benefit by up to 76%.
Yes — I've run a full break-even and longevity analysis
Partially — I know the basics but haven't run the detailed numbers
I plan to take it as soon as I'm eligible at 62
I haven't thought about it in detail
Do you have a plan for which accounts to draw from first?
Withdrawal sequencing across taxable, tax-deferred, and Roth accounts is one of the highest-leverage decisions in retirement planning.
Yes — a written strategy optimized for tax efficiency including Roth conversion windows
Including IRMAA bracket management and RMD planning at 73.
General plan — taxable accounts first, then IRA, then Roth
A reasonable default, but may not be optimal for your specific bracket situation.
I'll draw from whichever account I need at the time
Ad hoc withdrawals typically result in unnecessary tax drag over time.
I haven't planned this yet
This decision alone can save six figures over a 25-year retirement.
How are you planning for healthcare costs in retirement?
A median retired couple will spend $315,000+ on healthcare — not counting long-term care. It's the most underestimated retirement expense.
Detailed plan covering the Medicare gap, LTC risk, and out-of-pocket modeling
Including a funded long-term care strategy and an HSA drawdown plan.
I'll be on Medicare when I retire — the pre-65 gap isn't an issue
Good timing, but LTC and out-of-pocket costs still need attention.
I know there's a gap and plan to use COBRA or marketplace coverage
A workable bridge — but have you modeled the actual monthly cost?
I haven't addressed healthcare planning in detail yet
This is a significant gap that needs a plan before you retire.
If markets dropped 30% in your first two retirement years, what happens?
Sequence-of-returns risk is the greatest structural threat to a retirement plan — early losses combined with withdrawals can cause permanent portfolio damage.
I have 2–3 years of living expenses in cash or short-term reserves — no forced selling needed
I'd reduce discretionary spending temporarily — the plan survives
I'd need to sell assets at depressed prices to cover living expenses
I haven't stress-tested this scenario
Have you stress-tested your plan through a 30-year retirement?
A 65-year-old today has a 50% chance of living past 85 and a 25% chance of reaching 92. Plans built for 20 years often fail.
Yes — I've modeled to age 90–95 and the plan holds under multiple market scenarios
Modeled to 85 — I feel comfortable but haven't tested further
Based on average life expectancy — roughly 78–82
I haven't run longevity scenarios yet
How current is your estate plan?
Outdated beneficiaries, missing powers of attorney, and unfunded trusts are among the most common — and costly — estate planning gaps.
Fully current — will, trust, POA, healthcare directive, and beneficiaries all reviewed within 2 years
Documents exist but haven't been reviewed in several years
Life changes may have created gaps you're not aware of.
I have a will but the broader plan is incomplete
Missing POA, healthcare directive, or beneficiary alignment is common.
I don't have an estate plan in place
Without one, the state decides how your assets are distributed.
What is your approximate investable portfolio size?
This helps us tailor your action plan and context to your specific situation.
Under $500K
$500K – $1M
$1M – $3M
$3M+
See your full breakdown & action plan
Enter your name and email to unlock your dimension scores and personalized action list — and receive your results by email.
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Based on your answers, ordered by impact on your retirement security.
Ready to close your gaps with a real advisor?
A SteelPeak advisor will work through your specific numbers and build a plan around your life — not a formula.