Session Setup
Client Information
Client Details
This information appears on the cover page of the printed report.
Client Address
Required for state suitability review and application processing.
Component 1 — Income Floor Check
Does guaranteed income cover non-negotiable monthly expenses? This is the foundational question of the entire review.
Housing + utilities + food + insurance + min. debt service
$
At planned start age — use MySocialSecurity.gov estimate
$
$
Existing annuities, rental income guarantees, etc.
$
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Monthly Gap
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Annual Exposure
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Floor Coverage %
Enter your numbers to see your income floor status.
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/ 25 pts
Component 2 — Sequence of Returns Risk
If the market drops 25% in year one of retirement while withdrawing from the portfolio — what's the permanent damage?
IRA + 401k + Roth + taxable brokerage (not home equity)
$
Approximate % in stocks / stock funds across all accounts
%
📌 Sequence scenario assumes -25% portfolio drop in Year 1 of retirement. This is a stress illustration, not a prediction.
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Capital Impairment
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Annual Draw Needed
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Adj. Withdrawal Rate
Enter portfolio data to assess sequence exposure.
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/ 20 pts
Component 3 — Longevity Exposure
Two scenarios: how long does the portfolio last in a calm market vs. a realistic early sequence hit? The score is based on the stress scenario — the one that actually happens.
%
Best-case assumption — used for scenario comparison only
%
📌 Uses client age + retirement age from Step 0 and annual portfolio withdrawal from Step 1. Longevity target: Age 95.
⚠ Stress scenario: Years 1–3 average −10% (market correction at retirement), then 1% real growth thereafter. This is what gets scored.
Calm Market Scenario
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Portfolio Depletes
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Stress Scenario — Scored ↓
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Portfolio Depletes
—
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Stress Depletion Age
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Years Short of Target
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Portfolio at Retirement
Enter growth rate assumptions to model longevity.
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/ 20 pts
Component 4 — RMD Tax Exposure
What is the projected forced distribution at age 73, and what does it cost in taxes? How much Roth conversion window remains?
Pre-tax accounts only — NOT Roth
$
$
%
For tax bracket context
$
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Projected RMD at 73
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Tax Bracket at RMD
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Conversion Window
Enter IRA balance to project RMD tax exposure.
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/ 20 pts
Component 5 — Fee Leakage Scan
How much is quietly leaving this retirement in advisory and fund fees — and what income could that capital have guaranteed instead?
Annual % charged by advisor — enter 0 if self-managed or no advisory fee
%
Average weighted ER across all mutual funds / ETFs
%
Brokerage or custodian platform fee — enter 0 if none
%
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Annual Fee Cost
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20-Year Fee Drag
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Income Equivalent/Mo
Enter fee rates to scan for leakage.
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/ 10 pts
Component 6 — Income Architecture Bonus
Points awarded for smart decisions already made. This is the only component where the score goes UP. It prevents the report from feeling purely punitive.
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Strengths Found
Answer the questions above to identify architecture strengths.
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/ 5 bonus pts
Income Standard Score™
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/ 100
Client Name
Review Date
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Score Breakdown — Six Components
Top Structural Gaps — Ranked by Urgency
Step 1 of 7