Age 55+ and never completed a formal retirement-income analysis
One page: your essential expenses versus your reliable income.
The Income Gap Scorecard shows essential expenses, reliable income, liquidity, inflation exposure, and the portion still dependent on portfolio withdrawals — on a single page you can keep.
Complimentary and educational. A licensed specialist reviews it with you by Zoom or phone in about 20 minutes — no product presentation.
12+ years each
Retirement & income planning experience
3,000+
Retirement income strategies reviewed
$3 billion+
Retirement assets analyzed
Each of our Experts brings at least 12 years of successful college funding and retirement planning experience, beginning with A+ Rated Carrier Training.
What your Income Gap Scorecard shows
- Essential expenses as they stand today
- Percentage covered by reliable income
- Liquidity available and inflation exposure
- The upcoming account event or life change that could move the gap
What a good outcome looks like
A one-page scorecard, documented alternatives, and one clear next action — even if that action is to review again next year.
The questions we work through
- Has essential spending changed since your last review?
- What percentage is covered by reliable income?
- What upcoming account event or life change could affect the gap?
How the follow-through works
- Day 0: Send the scorecard worksheet.
- Day 3: Call to confirm essential spending.
- Day 8: Deliver the completed scorecard.
- Day 15: Review alternatives for the gap.
- Day 25: Ask whether to schedule, revisit later, or close the loop.
You decide the pace. At any point you can ask us to follow up later or close the loop entirely.
Common questions
Income Gap Checkup: the questions people ask first
How do I calculate my retirement income gap?+
Add up the expenses you must pay every month, subtract the income already guaranteed to arrive, and the remainder is the gap your savings has to cover. Doing it in dollars per month — not as a withdrawal percentage — is what makes the number usable.
What is a safe withdrawal rate from my savings?+
Rules of thumb near 4% were built on historical averages and a 30-year window; real outcomes depend on the order of market returns, taxes, and whether you can reduce spending in a bad year. Covering essentials with income that does not move takes most of the pressure off the rate itself.
Will my money last as long as I do?+
That is the question the checkup answers honestly — including when the answer is no at current spending. Longevity, inflation, one spouse's death, and a long-term care event are each tested, and each has a specific remedy.
Pick your time
Select a window for our team to verify your information and schedule your Expert match call
Pick a window and our team calls first to verify your details and confirm what to review. Then we match you to the right licensed specialist for your Tele-Wealth consultation. No pitch — we walk through your answers, your numbers, and what to fix first.
Smart Match — the right expert for you: We don't randomly assign you to whoever is available. We review your questionnaire answers and match you with an experienced Fiduciary Retirement Specialist who can best address your situation — then they stay with you from there.
Select My Verification Window →Plans change — that's fine. You can reschedule or cancel in a couple of clicks, any time, without calling or emailing us.
This review is educational and is not tax, legal, or accounting advice, and is not an offer or solicitation. Annuities are long-term insurance products that may involve fees, surrender charges, withdrawal limits, and tax consequences; guarantees depend on the claims-paying ability of the issuing insurer. Bank deposits and annuity contracts are not protected in the same manner. Rollovers and replacements are evaluated as balanced decisions, including the option to keep what you have. We coordinate with — and never substitute for — your tax and legal professionals.
Our 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 Pledge