The Retirement Resilience Index
You spent decades climbing to your number. But on any mountain, the dangerous part isn’t the summit — it’s the descent. Most plans are built for the climb (growing the money) and never for the way down (making it survive taxes, markets, a long life, and a single illness). In about three minutes, the Retirement Resilience Index scores how ready your plan is for the descent — the seven risks that actually decide a retirement. No jargon, no pressure.
Each is a hazard on the descent — a question your plan should be able to answer. If it can’t, that’s not alarm; it’s the agenda for a conversation.
There's no right answer, and this isn't a test of your advisor. Pick all that apply — most people land somewhere in the middle, and that's exactly why this scorecard is useful.
Pick any that ring true — there are no wrong answers, and you can choose as many as you like. We'll weight your scorecard toward what matters most to you.
Answer honestly from where things stand right now — not where you hope to be.
These help us put your readings in context. Round numbers are fine — and you can skip any of them.
Where would you like it sent?
We'll show your results on the next screen and email you a clean, printable copy to keep. Keep your phone handy — a retirement strategist will reach out shortly to walk through your readings. No pressure, no obligation.
Educational only. Your information is never sold.
Your Retirement Resilience Index
You’ve spent decades on the climb. This is your descent readiness — how well your plan is built for the part of the mountain that actually decides a retirement. Each of the seven risks is scored Hedged, Partial, or Exposed.
What you'll get: a clear, written plan that addresses all seven risks — how to build income you can't outlive, your tax exposure mapped, and your spouse and legacy protected. No obligation, no pressure.
Instead of one account doing every job, each dollar gets a job — and the buckets talk to each other, so you never have to sell growth at a loss to fund income.
① Income · Security
A protected income floor under your essentials — guaranteed income you can't outlive, with principal shielded from index losses by a 0% floor.② Growth · AUM
The managed engine designed to outpace inflation over a 25–35 year retirement. This is the part most advisors already do well.③ Legacy · Tax-Free
Roth strategy, life insurance and a long-term-care hedge — wealth positioned to pass to heirs efficiently and to absorb a care event.- Income you can't outlive — guaranteed lifetime income beneath your essentials.
- A tax strategy — RMDs, IRMAA, and Roth conversions, projected years ahead.
- Your spouse, protected — income and taxes planned for the survivor.
- Your legacy — positioned so your heirs keep more of what you leave.
- Long-term care, hedged — so a care event doesn't drain the plan.
Based on your readings, here's where a conversation would start.
Illustrative, composite descriptions of the shift people commonly describe — not statements from specific clients, and not a promise of results.
● Before
● After
Most advisors are brilliant at the climb — money management. They grow and manage a portfolio, and many are very good at it. But the climb and the descent are different skills, and a full plan has to answer all seven descent risks above — not just grow the pile.
This is usually structural, not personal. The standard model keeps every dollar invested and managed — that's how the fee works — and many advisors aren't licensed for the insurance-based tools that hedge care, legacy, and survivor risk, so those pieces never make it to the table. A full plan completes what you already have rather than replacing it.
You’ve climbed. Now plan the descent.
This index was three minutes of estimates. Your real descent plan — income that survives a bad market and a long life, taxes defused, your spouse and your heirs protected — starts with one no-pressure 10-minute call, both spouses welcome. If your plan already hedges all seven, we’ll tell you that too.
Book my free 10-minute call →