Confidential Review
Your Complete Retirement Review
A personalized roadmap built around your life, your family, and your goals.
609-418-3802
Client Profile
Client Information
Single
Married
Client 2 — Spouse / Partner
Full profile for joint planning
Children
Pension Analysis
Pension System Client 1
Auto-detected from state and hire date
Pension Calculator
FAS and YOS auto-calculated from profile
Retirement Age Comparison
Enter ages only. YOS and FAS auto-calculate per option.
Option A
Option B
Option C
PLOP / PLSO Calculator
Survivor Benefits
Age-adjusted actuarial estimates. Pulls spouse age from Profile.
Note: Reductions are actuarial estimates based on member and spouse ages. Actual reductions are determined by your state pension system at the time of retirement. Younger spouse = higher reduction (benefit paid longer). These estimates use standard mortality-adjusted factors.
Pension System Spouse
Auto-detected from spouse state
Pension Calculator Spouse
Retirement Age Comparison Spouse
Option A
Option B
Option C
Income Planner
Current Income
Salary auto-populated. Type to add sources.
Retirement Income
Pension auto-populated.
Social Security
Enter monthly benefit at each claiming age
Account Setup
Contributions project forward. Growth default 7%, draw 4%.
| Account | Balance | Mode | Ee Contr | Match% | MatchCap | ErBase% | Start Age |
|---|
Year-by-Year Timeline
Ages 55-80. Pension shows at every eligible age with penalties applied.
Income Gap Analysis
Goal = 75% of projected salary at retirement. Editable.
Current Income Spouse
Retirement Income Spouse
Social Security Spouse
Account Setup Spouse
| Account | Balance | Mode | Ee Contr | Match% | MatchCap | ErBase% | Start Age |
|---|
Year-by-Year Timeline Spouse
Income Gap Analysis Spouse
Combined Household Income
Client 1 + Spouse combined
Household Year-by-Year Timeline
Household Income Gap
Debt Analysis
Debt Inventory
Zeroed defaults. Balances feed insurance.
TypeCreditorBalanceRate%Mo PmtYrs Left
Payoff Timeline
Strategies
Life Insurance Analysis
LIFE INSURANCE | DISABILITY | LTC | CRITICAL ILLNESS
| Owner | Company | Premium ($/mo) | Plan Type | Coverage ($) | Cash Value? |
|---|
Coverage Calculator Client 1
Coverage Calculator Spouse
Year-by-Year Needs Client 1
Ins(Inv) + Ins(Pen) = Total
Year-by-Year Needs Spouse
Portfolio Inventory & Stress Test
Stress Test Client 1
Stress Test Spouse
Combined Household Portfolio
See how both portfolios work together as one whole
Household Stress Test
Combined portfolio under market scenarios
Household Withdrawal Sustainability
Allocation by Owner
Tax Analysis
Current Brackets
Retirement Brackets
Withdrawal Order
Roth Conversion Window Client 1
Roth Conversion Window Spouse
Coordinated Roth Strategy
Which spouse should convert first and how much
Medicare Planning
| Part | Covers | ~Cost | Notes |
|---|---|---|---|
| A | Hospital | $0/mo | Free if 40+ qtrs |
| B | Doctor | ~$185/mo | Enroll at 65 |
| C | Bundled | Varies | Private plan |
| D | Rx | ~$40-100 | Separate |
| Medigap | Gaps | ~$120-250 | Recommended |
Client 1
Spouse
Estate Planning
Estate Documents Client 1
Estate Documents Spouse
Beneficiary Coordination
Track primary and contingent beneficiaries across accounts
AI Action Plan
Personalized Action Plan
Reads all data from every tab.
Next Steps
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