Free 60-second assessment
Most Everest deaths happen on the way down.
So do most retirement failures. You've spent decades climbing — saving, investing, building. But the descent is where plans fall apart: market drops, taxes, and money that runs out too soon. Find out how exposed your retirement is before you start down.
8 questions · No documents needed · Instant results
The three dangers of the descent
Your 401(k) was built for the climb. These are the risks nobody briefs you on for the way down.
The Market Trapdoor
A 30% drop the year you retire can do damage you never recover from. Wall Street calls it sequence-of-returns risk. Retirees call it going back to work at 70.
The Tax Time Bomb
Your 401(k) balance isn't all yours — a share of it belongs to the IRS, at whatever rates exist when you withdraw. Most people have never calculated their retirement tax bill.
Outliving Your Money
The old “4% rule” was built for a different era of interest rates and lifespans. Running out of money at 84 is not a plan.
How it works
Take the 60-second assessment
Eight quick questions about your timeline, savings, and exposure. No documents, no jargon.
Get your Retirement Risk Score
See exactly where your plan is exposed on the way down the mountain — market risk, tax risk, and longevity risk.
Review it with a licensed advisor
A free, no-pressure strategy call to walk through your score and the strategies that can put a floor under your retirement.
There's a reason banks own this asset class.
Major banks hold billions in cash-accumulation strategies with contractually guaranteed floors — assets that grow steadily, stay liquid, and never ride a crash to the bottom. They just don't advertise them to you.
Paired with income strategies that can guarantee a paycheck for life, these tools are how families take the cliff edges out of the descent. Your score shows whether they fit your situation.
Strategy one
Growth with a guaranteed floor
Build wealth that compounds year after year, with a contractual minimum — and access to your money along the way, without age penalties.
Strategy two
Income you can't outlive
Convert a portion of your savings into a guaranteed lifetime paycheck — so the market can do whatever it wants, and your bills still get paid.
Fair questions
Is this actually free?+
Yes. The assessment, your score, and the strategy call are free. If a strategy fits your situation, the advisor is compensated by the financial institution — never out of your pocket.
What kind of strategies are we talking about?+
Strategies built for the descent: cash-accumulation vehicles with contractually guaranteed floors that stay liquid, and income strategies that can guarantee a paycheck for life. Nothing exotic — these tools have existed for over a century. Most advisors just don't lead with them.
Who is this for?+
People roughly 10+ years from retirement who want growth without riding every market crash down, and people closer to retirement who want guaranteed income they can't outlive.
Will someone pressure me to buy something?+
No. The strategy call is a review of your score and your options. If it's not a fit, you'll leave knowing more about your retirement than you did before.
Know your number before you start down.
Eight questions. Sixty seconds. A clear picture of where your retirement is exposed — and what to do about it.
Get My Retirement Risk Score →