Retirement Readiness Score | Heits Benefits Group

Step 1 of 6

Let's personalize your assessment

Takes about 4 minutes. Every question maps to one of five retirement dimensions that determine your score.

First Name

Please enter your first name.

Last Name

Please enter your last name.

Email Address

Your score report will be sent here.

Please enter a valid email address.

Current Age

Age must be 40–80.

Target Retirement Age

Must be 55–75 and after current age.

Marital Status

Single / Widowed — planning individually

Married / Partnership — planning together

Please select your status.

Step 2 of 6 — Income Preparedness

Your guaranteed income sources

These are the income streams that will show up every month regardless of what markets do. Enter estimated monthly amounts at your planned retirement age.

Don't know your Social Security estimate? Visit ssa.gov/myaccount — it's free and takes 5 minutes. Use your age-67 benefit if unsure.

Your Social Security Benefit (monthly)

$

Please enter an amount (0 if none).

Spouse's Social Security (monthly)

$

Pension Income (monthly — enter 0 if none)

$

Please enter an amount.

Other Guaranteed Income (rental, existing annuity, etc.)

$

How many different income sources will you have in retirement?

Count: Social Security, pension, 401(k)/IRA withdrawals, rental income, annuity, part-time work, business income, spouse income, etc.

1–2 sources — mostly Social Security or one account

3–4 sources — Social Security + 401(k) + 1–2 others

5 or more sources — well-diversified income plan

Please select an option.

Step 3 of 6 — Income Preparedness

Your retirement expenses

Two numbers: what you must spend, and what you want to spend. The gap between your guaranteed income and your must-haves is your Foundation Income Gap.

Essential Monthly Expenses in Retirement

Housing, food, utilities, healthcare, transportation, insurance. Non-negotiable expenses.

$

Please enter your essential expenses.

Total Desired Monthly Spending (essential + lifestyle)

Add travel, dining, hobbies, gifts, and discretionary spending on top of essentials.

$

Must be equal to or greater than essential expenses.

Healthcare coverage plan at retirement

Employer or spouse coverage

Marketplace / private insurance — before Medicare

Medicare eligible at retirement (age 65+)

Not sure yet

Step 4 of 6 — Savings Adequacy

Your retirement savings

We'll assess whether your current savings trajectory appears on track relative to your income needs and timeline.

Total Retirement Savings Today

All accounts combined: 401(k), IRA, brokerage, savings. Approximate is fine.

$500,000

$0$1.5M$3M+

Annual Retirement Savings Contribution

What you're adding each year across all accounts.

$18,000 / yr

$0$30K$60K+

What % of savings is in tax-deferred accounts?

Traditional 401(k) and Traditional IRA — money you haven't paid tax on yet.

70%

0% (all taxable/Roth)50%100% (all pre-tax)

Step 5 of 6 — Risk Management

Your protection coverage

Some risks are too large for any portfolio to absorb alone. This section measures how well you've transferred the catastrophic ones.

Which of these do you currently have in place?

Select all that apply.

✓

Life Insurance — term, whole life, or IUL

✓

Disability Income Insurance — income protection if unable to work

✓

Long-Term Care Insurance — traditional or hybrid policy

✓

Emergency Reserve — 3–6 months of expenses in liquid savings

How would you describe your overall protection coverage?

Strong — I have reviewed my coverage recently and feel well-protected

Partial — I have some coverage but haven't reviewed it recently

Gaps — I know I'm missing coverage I should have

Minimal — I have little to no protection coverage in place

Please select an option.

Step 6 of 6 — Longevity Planning

Planning for a long life

The #1 retirement risk isn't the market — it's outliving your money. This section measures how prepared you are for a potentially 30-year retirement.

How long did your parents or grandparents typically live?

Under 80 — significant health history in the family

80–89 — average life expectancy range

90 or older — longevity runs in the family

Please select an option.

Do you have any guaranteed lifetime income beyond Social Security?

Pension, income annuity (SPIA/DIA), or other lifetime payment stream.

Yes — I have a pension or income annuity

No — Social Security will be my only guaranteed income

Considering it — open to exploring income annuities

Please select an option.

How concerned are you about outliving your retirement savings?

Very concerned — it's my #1 retirement worry

Somewhat concerned — it's on my mind

Not very concerned — I feel reasonably prepared

Please select an option.

Your Personalized Assessment

Retirement Readiness Score

0

/100

—

Score Breakdown — 5 Dimensions

Estimated Monthly Foundation Income Gap

$0

Income vs. Expenses Analysis

Guaranteed Income (monthly)—

Essential Monthly Expenses—

Foundation Income Gap—

Desired Total Spending—

Total Monthly Gap (incl. lifestyle)—

Estimated Retirement Years—

Your Top 3 Improvement Opportunities

📧 Get your full score report

We'll email your personalized Retirement Readiness Score report — including your breakdown, gaps, and recommended next steps. No spam, ever.

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✅ Report sent! Check your inbox. We'll follow up with your personalized action plan within one business day.

📘

Download: The Retirement Income Blueprint

A complimentary 15-page guide covering Social Security optimization, guaranteed income strategies, tax planning, and the most common retirement income mistakes — and how to avoid them.

Ready to improve your score?

In a complimentary 45-minute Retirement Income Review, we'll map your exact situation and build a plan around your score.

✓Review your score across all 5 dimensions

✓Calculate your exact Foundation Income gap

✓Identify which of the 5 Decisions apply to your situation

✓Model your tax exposure from future RMDs

✓Leave with a written action plan — no obligation

This assessment provides educational estimates only and does not constitute financial, tax, or legal advice. Scores are based on simplified models and self-reported information. Actual retirement outcomes depend on individual circumstances, market conditions, and many factors not captured in this tool. Dave Heitner · Heits Benefits Group · Licensed Insurance & Benefits Professional.