What Is a Retirement Readiness Review?

Retirement isn’t just about a number in your 401(k). It’s about making sure your savings, Social Security, and other income sources can realistically support the lifestyle you want — for as long as you live.

A Retirement Readiness Review is a simple, educational review of where you stand today and how prepared you are for retirement income, not just retirement savings.

We’ll help you understand how your current accounts, Social Security strategy, and income sources may work together — and what adjustments might help you feel more secure before you leave your paycheck behind. Because of licensing, this personalized review is only available to Illinois residents.

Who Is This Review For?

This review is a good fit if you are an Illinois resident and:

• You’re within 5–10 years of retirement and want to know if you’re truly on track.
• You’re already retired but worry about running out of money or making a mistake with withdrawals.
• You’re unsure when to claim Social Security or how it fits with your other income.
• You have multiple accounts (401(k)s, IRAs, old pensions, annuities) and want a clearer income plan.
• You’d rather have a straightforward conversation than try to piece everything together from articles and calculators.

If you’re just browsing, our articles and tools are here for you. If you’re an Illinois resident ready for a more personal look at your situation, a Retirement Readiness Review is the next step.

What You’ll Get From Your Retirement Readiness Review

In your review, we’ll focus on education — not pressure. You’ll get:

The goal is simple: help you see your numbers in a clearer way, so you can make more confident retirement decisions.

How the Process Works

1. Step 1 – Share a Few Details
   You fill out a short form with basic information about your age, retirement timeline, accounts, and income goals.
2. Step 2 – We Review Your Situation
   We look at your information and consider how common retirement income strategies might apply to your situation.
3. Step 3 – You Get a Simple, Educational Review
   We provide a clear explanation of where you appear to stand today and what you might consider to improve your retirement readiness.
4. Step 4 – You Decide What to Do Next
   You’re free to use this information however you’d like — with your current advisor, on your own, or by working with us if it feels like a good fit.

No obligation. No “one size fits all” pitch. Just a clearer picture of how prepared you may be for retirement.

What We’ll Ask You For

To make your Retirement Readiness Review useful, we’ll typically ask for:

• Your name and email (so we can send your review or follow-up notes).
• Your phone number (optional, if you’d like a quick call or Zoom/phone review).
• Your age and, if applicable, your spouse or partner’s age.
• Your estimated retirement timeline (when you’d like to stop full-time work).
• Approximate totals for your retirement savings (401(k)s, IRAs, etc.).
• Your monthly income goal in retirement, before or after taxes.
• Your top 1–3 concerns (running out of money, market risk, taxes, health care, etc.).

You don’t need to upload statements for this initial review — just honest estimates so we can point you in the right direction.

Frequently Asked Questions

Do I need to live in Illinois to work with you?

Yes. At this time, we can provide personalized services and a Retirement Readiness Review only to Illinois residents due to licensing requirements. If you live outside Illinois, you’re still welcome to browse our articles and use our general educational tools.

Does this cost anything?

No. The Retirement Readiness Review is currently offered at no charge for eligible Illinois residents.

Will you try to sell me something?

Our focus is on education first. If we see gaps or risks in your plan, we may discuss possible strategies or tools, but you decide whether to take any next steps. No high-pressure sales.

Do I have to move my accounts to work with you?

Not necessarily. Some clients simply want a second opinion. Others choose to implement part or all of their plan with us. It’s your decision.