Most Americans retire with a number. Premium members retire with a plan.

Retirement Ready Premium bundles three advanced planning tools into one membership — built for members ready to turn their calculations into a strategy.

The Retirement Readiness Score gives you a single score out of 100 across five pillars — savings adequacy, drawdown sustainability, Social Security optimisation, inflation resilience, and retirement timeline. A personalised five-step action plan tells you exactly what to do next, quantified in dollars. Live scenario toggles show how retiring later, contributing more, or delaying Social Security moves your score in real time.

The Tax-Efficient Withdrawal Planner models Traditional first, Roth first, or mixed bracket-filling under 2024 IRS rules — showing the total federal tax cost of each over 25 years. Includes a Roth conversion analysis. For most people the difference between strategies runs to tens of thousands of dollars.

The Personal Retirement Action Plan pulls everything into a downloadable PDF — projected balance, drawdown runway, Social Security strategy, risk profile, and a five-step action plan quantified in dollars.

Built on SSA, IRS, EBRI, and Bengen 4% Rule figures. For educational purposes only. Not financial or tax advice.