Financial Wellness

Think of it as a credit score for retirement: nineteen weighted health checks — success chance, withdrawal rate, must-spend coverage, cash flow, taxes, Medicare surcharges, RMD readiness, and more — combined into a 0–100 score with an A–D grade and specific fixes to try.

• Nineteen weighted checks rolled into one score and grade.
• Actionable insights, ranked by impact — from trimming spending to opening a Roth conversion window.
• Guardrail bands show safe, comfortable, and cutback spending levels around an 80% success target.
• Track the score as the plan changes, or re-run Monte Carlo for the simulation-accurate version.

Nineteen weighted health checks

Break the score down and you can see exactly what drives it: chance of success, withdrawal rate, must-spend coverage, cash-flow health, tax efficiency, RMD readiness, emergency fund, sequence risk, and more. Each check is scored 0–100 and weighted by importance — success chance counts most, then withdrawal rate and must-spend coverage — with grades running A (85+) to D (below 55).