Self-Diagnostic Vital Check
Is Your Retirement Pulse Healthy or In Jeopardy? Answer eight quick questions to receive your personalized retirement health score.
What Happens When Vitals Go Untreated?
Most retirees don’t experience a single sudden financial crash. Instead, their retirement vital signs slowly falter under the weight of tax drag, healthcare surcharges, and uncoordinated withdrawals.
Is Your Retirement Pulse Healthy or In Jeopardy?
Answer these 8 diagnostic questions to see whether your retirement plan needs immediate preventative care.
Required Rate of Return
Do you know what rate of return you need to earn on the money you have today to be able to live in the future like you live today, adjusted for inflation, without running out of money before your life expectancy?
Required Savings Rate
Do you know how much you need to be saving on a monthly or annual basis to make sure you will have enough in the future for you to live like you live today adjusted for inflation?
Time to Retirement
Do you know how long you will have to work doing what you are doing now before you will be able to live on what you have accumulated and your money last to your life expectancy?
Standard of Living Reduction
Do you know how much you will have to reduce your standard of living during retirement in the future to keep your money from running out before your life expectancy?
Retirement Paycheck Longevity
Do you have a written income plan guaranteed to cover 100% of your living costs for 30+ years, regardless of stock market downturns?
Medicare & Healthcare Shock Protection
Do you know your projected out-of-pocket healthcare costs, IRMAA surcharge brackets, and optimal Medigap/Advantage coverage?
Social Security Optimization Timing
Have you calculated the optimal claim age (62 vs. 67 vs. 70) for both you and your spouse to maximize cumulative lifetime benefits?
Tax Exposure & RMD Brackets
Are you proactively doing strategic Roth conversions now to prevent high tax brackets and widow's tax penalties in your 70s and 80s?
If you answered "No" to any of the first four questions, you're not alone — most retirees cannot answer them with confidence. These numbers are the foundation of every sound retirement prescription, and Kelvin Pittman can help you calculate each one with certainty.