The 2-Minute Retirement Readiness Check

Most retirement worries come down to a handful of questions that are easy to answer and easy to put off.

Answer these honestly and you'll get a readiness score and a short summary of where your plan is solid and where it may need attention.

10 yes-or-no questions, plus 3 about your situation. No account numbers or financial documents are needed.

Click Next to begin. It takes about 2 minutes.

A little about you

These questions help us put your results in context.

Approximate investable assets, not counting your home: *

Under $250K

$250K–$500K

$500K–$1M

$1M–$3M

Over $3M

A little about you

These questions help us put your results in context.

Where are you in your retirement timeline? *

10+ years away

5-10 years away

Within 5 years

Already retired

A little about you

These questions help us put your results in context.

Do you currently work with a financial advisor? *

No

Yes, at a bank or brokerage

Yes, an independent advisor

Not sure

Ten questions about your plan

Answer yes or no. A "no" isn't a failing grade, it's just something worth a look.

1. Do you know, within about 10%, what your household spends in a year? *

Yes

No

Ten questions about your plan

Answer yes or no. A "no" isn't a failing grade, it's just something worth a look.

2. Do you know what percentage of your portfolio you'll need to withdraw each year in retirement? *

Yes

No

Ten questions about your plan

Answer yes or no. A "no" isn't a failing grade, it's just something worth a look.

3. Do you have a deliberate reason for the amount of cash you currently hold, rather than it just accumulating? *

Yes

No

Ten questions about your plan

Answer yes or no. A "no" isn't a failing grade, it's just something worth a look.

4. Has anyone shown you what happens to your plan if the market falls 25% in your first two years of retirement? *

Yes

No

Ten questions about your plan

Answer yes or no. A "no" isn't a failing grade, it's just something worth a look.

5. Do you know your tax bracket today and roughly what it's likely to be in retirement? *

Yes

No

Ten questions about your plan

Answer yes or no. A "no" isn't a failing grade, it's just something worth a look.

6. Do you have a written strategy for when to claim Social Security? *

Yes

No

Ten questions about your plan

Answer yes or no. A "no" isn't a failing grade, it's just something worth a look.

7. Have your will, beneficiary designations, and powers of attorney been reviewed in the last five years? *

Yes

No

Ten questions about your plan

Answer yes or no. A "no" isn't a failing grade, it's just something worth a look.

8. Do you know exactly how your advisor is paid, and whether they're legally required to act as a fiduciary? *

Yes

No

Ten questions about your plan

Answer yes or no. A "no" isn't a failing grade, it's just something worth a look.

9. Do you have a written financial plan that's been updated in the last 12 months? *

Yes

No

Ten questions about your plan

Answer yes or no. A "no" isn't a failing grade, it's just something worth a look.

10. Could you explain in one sentence how your investments are positioned to keep pace with inflation? *

Yes

No

Where should we send your summary?

Your score appears on the next screen. We'll also email you the summary so you have it.

First Name *

Last Name *

Email *

Send me my summary and occasional educational updates from Sovereign Advisors. *

I understand this Retirement Readiness Check is educational, is not investment, legal, or tax advice, and does not create an advisory relationship.

Next