Does Your Portfolio Have What Retirement Actually Requires?

Answer 10 questions about your current portfolio and advisor. Receive a personalized report with your specific gaps. Your current advisor has an interest in the answer. This assessment does not. The findings are built on your specific answers — not a generic checklist.

Most retirement portfolios are built to grow. Very few are built to sustain 25 years of withdrawals. This assessment tells you whether yours is structurally prepared — and delivers a personalized report with your specific gaps.

• A personalized portfolio health score across two critical dimensions
• The specific structural gaps in your current strategy, explained in plain language
• The exact questions to ask your advisor — drawn from 30 years of industry research

5 minutes · No account required · Instant report

Based on the framework in The Retirement Plan Paradox by Dustin Wigington, RIA.

What You Will Receive

A report built around your answers — not a generic checklist.

01 — Your Portfolio Health Score

A personalized score across two critical dimensions — Strategy & Accountability and Risk, Cost & Transparency — calculated from your specific answers.

02 — Your Specific Findings

The structural gaps in your current strategy, explained in plain language with the implications for your retirement and the advisor questions you should be asking.

03 — The Two-Engine Test

A direct assessment of whether your portfolio is structured to manage both growth and protection — the two requirements every viable retirement strategy must meet.

Why This Assessment Is Different

Most portfolio assessments are marketing tools dressed as diagnostics. This one is built on a different premise: that a retirement portfolio has a specific mathematical job to do, and that most portfolios are not structured to do it.

The findings you receive are not generic observations. They are drawn from your specific answers, mapped against the structural requirements of a rules-driven retirement strategy — the same framework developed in The Retirement Plan Paradox.

The report identifies where your current strategy may not be aligned with what retirement actually requires — and gives you the specific questions to evaluate that alignment with your current advisor.

When capital is assigned permanent roles regardless of market conditions, it is not strategy. It is indifference posing as discipline. — The Retirement Plan Paradox, Chapter 22

The assessment framework is grounded in Dustin Wigington's book on rules-driven retirement planning — developed over a career that includes serving as a Regional Vice President at Fisher Investments.

About This Assessment

Your current advisor has an interest in the answer. This assessment does not. The findings are drawn from your specific answers, not from a model designed to retain your business.

Answer 10 questions about your current portfolio and advisor. Receive a personalized Portfolio Health Report identifying specific structural gaps — delivered instantly.

Yes. There is no cost and no obligation. Your personalized report is generated and delivered the moment you submit — no waiting, no follow-up required to receive it.

A Portfolio Evaluation is complimentary, no-obligation, and takes about 45 minutes.

Your assessment is complete. No critical gaps were identified — but specific opportunities may still exist.

This places your portfolio in the bottom third of assessments we have scored.

Review your findings report — focus on the advisor questions in each section.

This places your portfolio in the upper third of assessments we have scored.

If any findings resonate, a Portfolio Evaluation is the logical next step.