1
Enter your target retirement income in today's dollars, your current savings, retirement age, life expectancy, and expected inflation rate. We will calculate the after-tax return your strategy needs to earn — adjusted for how long your money needs to last and what inflation will do to your purchasing power.
Current age
Target retirement age
Life expectancy
Current total savings
$
Annual retirement income needed (today's dollars)
$
Expected inflation rate
%
Required after-tax return
—
2
Enter what your savings are currently earning, your monthly savings amount, and your household income. We will show you exactly how much you need to save at your current rate — and how much the right vehicle structure could reduce that number.
Gross household income
$
Current monthly savings
$
Current rate of return on savings
%
Current tax rate on savings growth
%
Monthly savings needed at your current rate
—
3
Doing exactly what you are currently doing — same strategy, same savings rate — when do the numbers say you will actually reach financial independence? Not a goal. The actual trajectory.
Expected annual return on current savings
%
Annual contribution to savings
$
Actual financial independence age
—
4
This is the number most people have never seen about their own finances. Tax and fees leave your portfolio silently every year — never as a bill, never asking permission. Three simple questions show you exactly how much that has cost your family — compounded over your remaining working years.
What percentage of your savings is in taxable accounts?
CDs · savings · brokerage · dividend stocks — tax paid on gains every year
%
What percentage is in tax-deferred accounts? (postpone tax accounts)
401k · IRA · 403b · SEP IRA — every dollar withdrawn is fully taxable
%
What annual fee do you pay on your investments?
Advisor fee + fund expense ratios combined
%
Wealth transferred away — cost of inaction
—
Your Q4 number
Wealth permanently transferred away
if nothing changes today
if nothing changes today
$0
This is not a projection. This is your current trajectory.
What happens to this number is entirely your decision.
What happens to this number is entirely your decision.
"The question is not whether this is happening. The question is whether you want to change it."
Your Financial GPS Results
Based on the numbers you entered · for discussion with your Financial Strategy Advisor
1
Q1 — Required after-tax return
—
Lower return needed = less risk required
2
Q2 — Monthly savings needed
—
Right vehicles reduce savings needed
3
Q3 — Actual independence age
—
Not when you hope — when numbers say
4
Q4 — Wealth at risk
—
Difference = wealth to protect