Free Retirement Readiness Assessment
Market crashes, taxes, hidden fees, inflation and living longer than planned can quietly drain the savings you spent decades building. Find out in 2 minutes which gaps are putting your retirement at risk.
Free. 9 questions. About 2 minutes. Instant personalized report.
Created by Michael B. Mushlin, author of The Financial Waterfall System
The 5 hidden gaps
You can save for decades and still come up short. Not because you didn't save enough, but because of what happens to your money once you stop working.
A big market drop just before or after you retire can permanently shrink your income, because you are selling investments while prices are down.
How much could you lose before your retirement date has to move?
Every dollar in a traditional 401(k) or IRA is taxed when you take it out. Your balance is not what you get to spend.
How much of your savings belongs to the IRS?
Fees come out every year, in good markets and bad. Over 20 years, a 1% fee on a $1 million account can cost more than $500,000.
Do you know what you pay, in dollars?
Many retirements now last 25 to 30 years. The longer you live, the longer your savings must keep paying you.
If you live to 95, does your income last?
At 3% inflation, $8,000 a month today buys only about $5,100 worth in 15 years. Fixed income loses ground every year.
Will your income get a raise each year?
Your free personalized report
Your report scores each of the 5 gaps, plus your overall readiness and your income gap. It runs the numbers on your answers, so you see your own figures, not generic advice.
Your report appears instantly, and a copy is emailed to you.
A snapshot of your retirement readiness, bringing the key areas into one view.
Your overall retirement pictureHow exposed your retirement savings may be to a market downturn.
The Market Volatility GapHow taxes may affect the money available for you to spend in retirement.
The Tax GapHow ongoing investment fees may reduce the savings working for you.
The Fee GapHow well your retirement income may hold up over a longer retirement.
The Longevity GapHow rising prices may affect what your retirement income can buy.
The Inflation GapThe estimated difference between the monthly income you want and your projected retirement income.
Your monthly income pictureHow it works
About 2 minutes. No statements or account numbers needed.
Your 7 scores, your income gap and your top 3 priorities, on screen and by email.
Book a free 20-minute Retirement Readiness Review to talk through your results. No obligation.
Who built this
Michael B. Mushlin is the author of The Financial Waterfall System, founder of EverGuard Advisors and a licensed insurance professional. He brings more than 30 years of experience across accounting, finance, business, technology and financial services.
He wrote the book to help people see where money may be lost unnecessarily and how the parts of their financial lives can work together more effectively. The assessment brings those principles to your retirement picture.
Check My 5 Gaps“Most people discover these gaps after they retire, when they are much harder to fix. I built this assessment so you can find yours while there is still time.”
FAQ
Yes. The assessment and your personalized report are completely free.
About 2 minutes. 9 multiple-choice questions, and you won't need any statements or account numbers.
No. Your report appears on screen as soon as you finish. A Retirement Readiness Review with Michael is available if you want one, but it is always optional.
No. The assessment is educational, and your report is yours to keep whether or not you ever speak with Michael. If you book a review, there is no obligation and no pressure to buy anything.
Your answers are used to create your report. We never sell your information, and you choose whether to receive follow-up. See our Privacy Policy.
Once you stop working, every gap becomes harder to fix, because you have less time and fewer options. Take 2 minutes now and see where you stand.
Check My 5 GapsFree. 9 questions. Instant report.
