Most people heading into retirement carry a quiet worry they rarely say out loud: will my money actually last? They have accounts, statements, and maybe a rough plan — but no single, honest answer.
The Retirement Ratio is that answer. It distills your income sources, spending, savings, and investments into one number: the earnings rate your portfolio needs to sustain your retirement lifestyle.
4.2
%
YOUR RETIREMENT RATIO
The earnings rate your portfolio needs to sustain your retirement. Know this number and you know exactly where you stand.
*Example number for illustration only
HOW IT WORKS
Any gap between your retirement income (Social Security, pensions, rental income) and your expected spending is what your portfolio must cover.
The Retirement Ratio measures exactly how hard your savings have to work.
Income - Expenses = Deficit
Deficit ÷ Invested Assets = Retirement Ratio
We calculate this twice: year one of retirement, and as a ten-year average.
The ten-year average becomes the anchor for every planning decision that follows.
The goal is to get below 5%
THE PROCESS
More than a number.
Building your Retirement Ratio surfaces real planning opportunities. One focused session. A complete plan.
Pension Options
Savings strategy
Tax planning
WHAT DOES YOUR NUMBER MEAN?
Below 3%
You're in excellent shape
3% to 5%
You're on solid ground
Above 5%
Changes are needed.
WHAT TO BRING
Have these ready for your session:
Social Security statement
Your most recent statement from ssa.gov or a benefits
estimate.
Pension Calculations
Benefit estimates and available claiming options
Spending Estimate
A rough sense of annual spending. No spreadsheet required.
Account Statements
Recent statements on investment and retirement accounts
Schedule a one-hour session and walk away with a complete retirement plan