America United Wealth Planning

Digital Guide & Workbook

The Retirement Income Confidence Blueprint

A step-by-step workbook for turning your savings, Social Security and pension benefits into one clear monthly retirement income plan — before retirement begins, not after.

Calculate your real monthly retirement income need
Identify dependable income — and where the shortages hide
Prepare for market losses, inflation, healthcare and survivor needs
Leave with a written action plan you can review every year

Download the Free Workbook See the 12 steps ↓

Prepared by John T. Davis, CFF® · AmericaPlanning.com · (847) 592-5405

Know what you need · See where it comes from

01 Choose your retirement target
04 Find your monthly income gap
08 Stress-test the plan
10 Protect the surviving spouse
12 Write your action plan

The Problem

Your retirement picture is scattered across a dozen places.

Account statements. A Social Security estimate. A pension letter. An old annuity contract. Nobody hands you a single page that adds it all up — so this workbook does.

Savings & accounts401(k), IRA, Roth, brokerage and cash sitting in different institutions with different rules.

Social Security & pensionsClaiming-age decisions that are difficult or impossible to reverse once made.

Market & inflation riskWhat a 10–40% decline early in retirement could really do to your income.

Your spouse's futureWhat happens to household income the day after the first spouse passes away.

What You Will Create

Eight deliverables. One retirement picture.

Work through the workbook once, in order, and you'll walk away with each of these — on paper, in your own numbers.

A retirement date and planning timeline
A realistic monthly retirement budget
An inventory of Social Security, pension & dependable income
A complete list of savings and retirement accounts
A monthly income-gap calculation
A market-decline and inflation stress test
A survivor-income plan for your spouse or partner
A written 30-day, 90-day and pre-retirement action plan

The Route

Your 12-Step Retirement Income Plan

Each step builds on the last — from setting a target date to writing the action plan you'll actually follow.

01

Choose Your Retirement Target

Decide when retirement may begin and how long the plan may need to last.

02

Build Your Retirement Budget

Estimate essential, flexible and irregular expenses.

03

Map Your Dependable Income

List Social Security, pensions, annuity income and other predictable income.

04

Find Your Monthly Income Gap

Compare what you need with what dependable income may provide.

05

Inventory Savings & Investments

Organize retirement accounts, cash and investment assets in one place.

06

Create Your Withdrawal Target

Estimate how much your savings may need to provide each year.

07

Review Social Security & Pension Choices

Compare claiming dates and survivor options before you sign anything.

08

Stress-Test the Plan

Prepare for early market losses and reduced flexibility.

09

Plan for Inflation, Healthcare & Taxes

Include the costs that commonly rise the most in retirement.

10

Protect the Surviving Spouse

Estimate income and expenses after the first spouse passes away.

11

Organize Beneficiaries & Documents

Make your important information easier to find and use.

12

Write Your Retirement Action Plan

Turn the numbers into a practical, written schedule of next steps.

The Payoff

One page that finally adds it all up.

Every step feeds into a single Retirement Income Dashboard — the page you'll actually keep on your desk and revisit every year.

Sample — illustrative only

Your Retirement Income Dashboard

Target retirement age—

Monthly retirement income needed$ —

Predictable monthly income$ —

Monthly income gap$ —

Annual income needed from savings$ —

First-year withdrawal target$ —

Survivor monthly income gap$ —

Next review date—

Fill in your own numbers as you move through the 12 steps. Review it once a year, and after any major life change.

Prepared By

John T. Davis, CFF®

Retirement planning often feels overwhelming because the pieces live in different places — account statements, Social Security estimates, pension paperwork, insurance policies and monthly bills. This workbook was built to bring those pieces together in one simple place, so you can see the whole picture before decisions have to be made.

Illinois residents can request a complimentary review to verify their numbers, stress-test the plan against market declines, and identify the questions worth asking before retirement begins.

America United Wealth Planning · (847) 592-5405 · john@AmericaPlanning.com

Free Download

Get your copy of the Blueprint.

Enter your name and email below and we'll send the workbook straight to your inbox — plus the option to request a complimentary review if you're an Illinois resident.

Before You Start

A few things worth knowing

No. The workbook is educational and is meant to help you organize your own numbers. It does not replace individualized financial, tax, legal or investment advice for your situation.

Most people work through it in one or two sittings using estimates, then come back later to replace estimates with confirmed figures from statements and benefit letters.

Recent bank and investment statements, Social Security benefit estimates, pension information, insurance or annuity statements, a recent tax return, and a list of household expenses. A spouse or partner should join in when you're planning together.

Yes, the workbook itself is available to anyone. Personalized, one-on-one review services from America United Wealth Planning are currently available to Illinois residents only.