Your Retirement Income Score is reviewed with you over Zoom or by phone — Tele-Wealth planning, no office visit required.
Free · No obligation
How Much Income Will You Need in Retirement?
Most people know their account balance. Almost nobody knows their income — or how long their savings will actually last. Answer three short steps and get your free Retirement Income Score: your projected monthly income, how long your money lasts, and where the leaks are.
Your Full Retirement Score is delivered to you by your Retirement Expert when you show up for your appointment — a FREE, no-obligation analysis plus a 15-minute call. Schedule it below and choose the way you meet: Zoom or phone.
Smart Match — the right expert for you
We don't randomly assign you to whoever is available. We review your Retirement Income Score questionnaire and match you with a Fiduciary Retirement Specialist whose credentials and experience fit your age, assets, and tax structure — then they stay with you as your plan evolves.
12+ years each
Retirement & income planning experience
3,000+
Retirement income strategies reviewed
$3 billion+
Retirement assets analyzed
- Expert licensed in your state
- Free 15-minute consultation
- Tele-Wealth: Zoom or phone
- Your information is never sold
- A+ Rated carrier training
- State license verified before contact
- Best-interest standard
- No cost, no obligation
Who reviews your answers
Collectively, our team brings at least 12 years each of retirement and income planning experience, with 3,000+ retirement income strategies reviewed and $3 billion+ in retirement assets analyzed. Every Expert begins with A+ Rated Carrier Training. We look forward to helping you exceed your financial goals.
Minimum 12 years of experience per Expert · A+ Rated Carrier Training
Why we don't lead with one name
You don't need an advisor. You need the right one for your situation.
Most sites put one advisor's photo and bio front and center. We do the opposite on purpose: no single professional is the best answer for a 58-year-old with three old 401(k)s, a business owner facing a K-1 tax problem, and a parent two years from the first tuition bill. So we built a matched bench instead of a personal brand.
A bench, not a single desk
My IRA Hero is a network of over 180 independent, licensed retirement, tax, college funding, and insurance Experts. Instead of hoping the one advisor you found happens to specialize in your situation, we start with your situation and work backward to the Expert who handles it every week.
Every Expert meets the same standard
Minimum 12 years of successful college funding and retirement planning experience, A+ Rated Carrier training, active licensing in your state, and a clean compliance record. There is no junior bench and no call center — the person on your call is the person who does the work.
Assigned by best fit — never by who's free
Your questionnaire answers (age, assets, plan type, tax picture, timeline, goals) are reviewed before anyone contacts you. We match on specialty and state licensing first, availability second. If your case needs two specialties — say a rollover plus a tax reduction strategy — you get both, coordinated.
You'll know exactly who you're meeting
Before your 15-minute Tele-Wealth call, you receive your assigned Expert's name, credentials, licensing, and a short note on why they were matched to you. Not a fit? Tell us and we'll reassign you — no awkwardness, no questions asked.
Our commitment: one Expert, matched to you, who stays with you — accountable to the same My IRA Hero standards from your first 15-minute call through every review that follows.
How we vet our bench
Five checks before your Expert ever calls you.
Retirement decisions are long-term commitments. The professional you meet with should be held to a long-term standard. Every Expert we assign has cleared all five of these before an introduction is made.
01Active state license, verified
Every Expert holds a current life and health insurance license in the state where you live. We confirm the license before any introduction is made — you are never handed to someone who cannot legally advise you where you are.
0212+ years of retirement planning experience
We work with specialists, not generalists. Each Expert brings at least 12 years of successful college funding and retirement planning experience, beginning with A+ Rated Carrier Training.
03Background and disciplinary screening
Every Expert is screened against public regulatory and complaint records. Prior disciplinary action, a license suspension, or an unresolved client complaint disqualifies a professional from our bench.
04Best-interest standard
Recommendations must fit your financial situation, your timeline, and your goals — not the highest-commission product available. Anything discussed is disclosed to you in plain language first.
05Annual re-verification
Vetting is not a one-time check at onboarding. Licensing and disciplinary records are re-verified every year, and any Expert whose record changes is paused from assignment while we review.
No cost, no obligation: your analysis and 15-minute Tele-Wealth call are free. Your information is never sold, and you are introduced to one matched Expert — not auctioned to a list of them.
Client stories
Hear from families we've helped
“myIRAHero.com connected me with a retirement advisor who took the time to understand my situation and explain the specific options that can help me achieve my return goals. They also helped me withdraw some funds in the process to pay some of my immediate bills.”
“The amount of money I saved in unnecessary advisor fees with the solutions that the advisor myIRAHero.com referred me to completely shocked me. I recommend myIRAHero.com to anyone who ever put money into a 401(k) and needs real solutions to take care of their retirement plan and their family.”
“myIRAHero.com connected me with an advisor who explained everything clearly and answered my questions about the best ways to take care of the medical expenses that my medical condition requires and that Medicare will not cover. I’m so thankful that I found this website.”
“When I found myIRAHero.com through Google search, I wasn’t sure what types of options I would find. The advisor they connected me with was down to earth, compassionate, and went the extra mile to help me navigate getting a lifetime of income from my 401(k) plan. I’m so lucky that I found my retirement Hero through this website myirahero.com.”
“I was able to get an estate plan with a Will and trust along with life insurance and guaranteed growth on my IRA with the help of the advisor that myirahero.com connected me with. Thank you, thank you, thank you myIRAHero.com.”
“myIRAHero.com matched me with an advisor who walked me through every rollover option for my old 401(k). I finally understood the tax implications and picked a strategy that gives me steady monthly income without the guesswork.”
“I was worried about outliving my savings. Through myIRAHero.com, I found an advisor who showed me how to turn part of my IRA into guaranteed income I can’t outlive. That peace of mind is worth everything.”
“The advisor myIRAHero.com referred me to helped me decide exactly when to claim Social Security so my wife and I get the most out of what we’ve earned. That one conversation will likely mean thousands more dollars over our lifetime.”
Testimonials reflect experiences shared by clients and family members; individual results vary and are not a guarantee of future outcomes. Names shortened for privacy.
Pick your time right here
Your dedicated Retirement Expert reviews your answers before the call and hands you your Full Retirement Score live when you show up. It is a FREE, no-obligation analysis plus a 15-minute call with a retirement expert. Choose the way you meet — virtual (Zoom) or phone, your choice.
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The Advisors We Recommend All Work With Top-Rated Insurance Companies
Carrier logo scrolling playing.
- Allianz Life
- Corebridge Financial
- EquiTrust Life
- Global Atlantic
- North American
- Pacific Life
- MassMutual
- American Equity
- Mutual of Omaha
- Symetra
- Jackson National
- Protective
- Transamerica
- Securian Financial
- Ameritas
- Equitable
Disclosure: Carrier names and logos are shown for identification and reference purposes only. Their appearance here does not constitute an endorsement, recommendation, sponsorship, or approval of My IRA Hero, its advisors, or any strategy discussed on this site, and it does not imply any affiliation, partnership, or agency relationship with these companies.
Results are not guaranteed. Nothing on this page is a solicitation for any specific product, a projection of future performance, or a promise of any particular outcome. Product availability, features, riders, and rates vary by carrier, state, age, health, and suitability, and are subject to change and underwriting approval. Any guarantees are backed solely by the claims-paying ability of the issuing insurance company. My IRA Hero does not provide legal, tax, or accounting advice; consult your own qualified professionals.
Common questions
Questions about your Retirement Income Score.
What is a Retirement Income Score?+
It is a plain-language read on how long your money is projected to last once the paycheck stops — built from your savings, expected Social Security, pensions, expenses, and withdrawal plan. It answers the income question rather than the balance question, and it names the two or three items worth fixing first.
Is the Retirement Income Score really free?+
Yes. The questionnaire, the analysis, and the 15-minute review call with a licensed Expert cost nothing and carry no obligation. There is no pitch on the first call.
How long does the questionnaire take?+
About four minutes across three short steps: your situation, your money and priorities, and where to send the results. Contact details come last.
When and how do I get my score?+
Your Expert reviews your answers ahead of time and hands you your full score live on your appointment, by Zoom or phone, so you can ask questions as you go. Our team calls first to verify your details and confirm the time.
What information do I need to have ready?+
Rough numbers are enough to start: approximate retirement date, balances by account type, whether you have a pension, and your best guess at monthly expenses. Statements are not required for the first pass.
Do I need to move my money or buy anything?+
No. Most people leave the first call with a written list of adjustments and nothing else. If a strategy makes sense later, every cost and commission is disclosed in writing before you sign.
I have an old 401(k) — should I mention it?+
Yes, on the form. Rollover timing and tax treatment are where most of the avoidable damage happens, and it changes the order of the fixes we recommend.
Is my information kept private?+
Your answers are reviewed internally and introduced to one matched Expert licensed in your state. Your information is never sold and it is not distributed to a pool of advisors.
How much money do I actually need to retire?+
There is no single number, because the answer is a monthly income figure, not a balance. Two households with the same $800,000 can have very different outcomes depending on Social Security timing, pension, taxes on withdrawals, and how much of the budget is fixed. The score works backward from your expenses to the income your accounts can support.
Is the 4% rule still safe?+
It is a starting reference, not a plan. It assumed a 30-year horizon and a specific stock-and-bond mix, and it says nothing about taxes, Medicare premiums, or a bad market in your first few retirement years. Your score shows what your own withdrawal rate can sustain and where the sequence risk sits.
Can I retire at 62 with what I have now?+
Often yes, but the cost is usually in two places most people miss: filing Social Security early permanently lowers the base, and you need a health-coverage bridge until Medicare at 65. The score prices both so the retirement date is a decision rather than a hope.
What if the score shows I am behind?+
That is the most useful result. Being behind is fixable when it is found early — usually through withdrawal order, Social Security timing, Roth conversion years, and covering fixed expenses with reliable income. You leave the call with the two or three highest-impact changes written down.
Why a fixed index annuity can be a powerful addition to a retirement plan
Retirement is about more than maximizing returns. This plain-English guide explains how one portion of a portfolio can be assigned a different job — protection from index losses, index-linked growth potential, and lifetime income you can't outlive — plus the risks, the mortality-pooling math, and when an FIA is the wrong fit.
Read the guideKeep reading
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Read the guideWhen you're ready to see the numbers for your own household, start with the free Retirement Income Score — then talk it through with a licensed Expert.
Get my Retirement Income Score Book a free 15-minute callOur fiduciary commitment
We only refer you to Retirement Experts who are obligated to act as a fiduciary at all times — legally bound to put your interests ahead of their own on every single recommendation they make to you.
Every Expert we refer must also be willing to give you a written Fiduciary Pledge — a signed legal statement confirming that duty to you in writing. If an Expert will not put it in writing, we will not refer you to them. Just ask for it on your call.
Read and download the Fiduciary PledgeFree 15-min Tele-Wealth call — Zoom or phone, no obligation.
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