Concern about volatility or holding more risk than you can sustain
Stress-test the plan before you change the portfolio.
Market movement can make retirement decisions feel urgent. The Retirement Stress Test measures essential-income coverage, liquidity, and hypothetical downside scenarios so the next decision is measured rather than reactive.
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 Retirement Stress Test shows
- Share of essential spending already covered by reliable income
- Money needed within the next three years, and where it sits
- The portion of assets actually exposed to market risk
- Hypothetical downside scenarios and what they would change
What a good outcome looks like
A clear read on coverage, liquidity, and exposure — and a decision made calmly, or a decision to change nothing.
The questions we work through
- Which part of a decline worries you most — losses, withdrawals, or running out?
- How much spending is already covered by reliable income?
- What portion must remain available within three years?
How the follow-through works
- Day 0: Send the stress-test worksheet.
- Day 2: Call about the specific worry.
- Day 7: Share one coverage example.
- Day 14: Invite to the risk-and-income session.
- Day 25: Close the loop with two appointment options.
You decide the pace. At any point you can ask us to follow up later or close the loop entirely.
Common questions
Market-Decline Confidence Campaign: the questions people ask first
How do I protect my retirement savings from a market drop?+
Cover essential expenses with income that does not depend on markets, keep a cash reserve for the early years, and only expose to markets the money you will not need to spend soon. Protection is a structure, not a prediction.
What is sequence-of-returns risk?+
It is the damage done when poor market years land in the first years of withdrawals. The same average return, in a different order, can shorten how long a portfolio lasts — which is why the first five years of retirement are treated differently from the twenty that follow.
Should I move to cash until things calm down?+
Going fully to cash replaces one risk with another: you lock in the loss and then have to decide when to return, usually after prices recover. A better question is how much of your plan needs to be market-independent at all.
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