01 · CLARITY
See what deserves attention.
Simple answers reveal potential opportunities and coordination gaps. Leave with a prioritized picture.
01 / THE CONNECTIONS WE CAN MISS
You may have good advice.
Who’s connecting it?
Your advisor looks after your investments. Your CPA handles taxes. Your attorney prepares legal documents. Your insurance professional helps protect what matters.
Each may do excellent work. But a good decision in one area can change the outcome in another.
- Could a tax move affect your retirement income?
- Could a business transition change your family’s protection needs?
- Do your accounts, beneficiaries and estate documents tell the same story?
When was the last time your investment, insurance, tax, legal and banking professionals reviewed your whole picture together—on your behalf?
02 / THE “PAC-MAN” PROBLEM
You see what you earn.
What’s taking a bite?
Growth is only part of the story. Fees, taxes and inflation can take bites from what your money does for you. Uncoordinated decisions and risks can add to the drag.
Some costs are necessary. Some may be reduced. Some opportunities may simply be overlooked.
The question is what you keep—and whether it supports the life you want.
03 / START WITH NAPKIN MATH
Before a deeper dive,
is there a reason to look?
You shouldn’t need a thick binder to discover whether a better question is worth asking.
Start with what you know. Use estimates. Mark what you don’t know. Explore the possibilities that may matter to you.
See a possible gap.Estimate its significance.Decide what deserves verification.
Napkin math is a screening principle. It does not establish savings, eligibility or a suitable strategy. Costs, taxes and competing choices need a professional comparison.
04 / BEFORE THE NUMBERS, THERE’S YOU
A relationship comes first.
Your life gives the numbers purpose.
Your people. Your promises. Your worries. What you want the next chapter to look like. Those things matter more to understanding your plan than a conversation about last year’s market return.
No one—including your advisor—can reliably predict the markets. A useful plan works with uncertainty: manage risk, weigh probabilities, and look for ways to reduce unnecessary fees and tax costs.
The X-Ray brings those questions together in a methodical first look. It helps you see what needs attention before professionals verify the facts and compare strategies.
ClaritySee the whole picture.ConfidenceUnderstand your choices.Coordinated executionPut an agreed plan to work.
In fictional long-term illustrations, potential differences can reach thousands or even millions of dollars. That is not a forecast for you. Your circumstances, costs, assumptions and trade-offs determine whether any meaningful improvement is possible.
Could you benefit from a coordinated review?
Not everyone has the same needs or the same moving pieces. Let’s start by checking whether there is enough to coordinate, whether you’re open to change, and whether you’re ready to participate.
Let’s see whether this is a fit →Qualified. Coachable. Committed. An honest starting point.02 · CONFIDENCE
Understand what’s possible.
Explore relevant possibilities using your estimates. See what needs to be learned or analyzed before a professional selects any strategy.
03 · COORDINATED EXECUTION
Put the improvements in place.
Available only through your professional advisor. Bring your preparation packet, clarify and verify the facts, and schedule a follow-up to review a coordinated strategy.
A conversation. At your pace.
Answer as if we were sitting across the table. Use estimates. “Not sure” is a useful answer—it tells us what to verify.
ⓘ What this first look can—and cannot—tell you
Clarity identifies reasons to investigate. It does not establish eligibility, recommend a product, predict returns, or calculate savings. “Not sure” means we need to verify something. A reported review is a useful strength, not proof that every detail is correct.
How the questions, saving and reports work
First: qualified, coachable and committed. Then: 16 main financial questions, one at a time. The “½” means relevant part B or C follow-ups; the number of follow-ups varies. An optional personal-goal reflection is also available. Answer on your own as if we were talking, or have someone read the questions aloud with you. Each question explains why it matters. Answer from memory. Ballpark amounts are welcome; leave a number blank if you don’t know it. No statements or account numbers are needed. Explore your findings first. When you choose to save, enter your name, phone and email to create your profile without starting over. Then choose Email my report link to reopen from another device. Saving does not subscribe you to marketing.
Try the demo without signing up. When you save, enter your name, phone and email to try creating a profile and keep these fictional answers on this device. Save before leaving. Reopen here, download a profile backup, or request a private reopening link by email.
LEVEL 1 · CLARITY
Are you qualified, coachable and committed?
Start with three honest answers. No statements or exact balances are needed here.
A good fit starts with being honest.
You can still explore the included educational calculators in the War Chest, or return when you feel ready. Your answers here do not determine product suitability or require you to purchase a service.
Explore the War ChestFit check complete. Continue with your financial questions and relevant follow-ups.
- Your goals
- Your life
- Your money
- Your blind spots
- Your next step
Step 1 of 5
YOUR RETIREMENT X-RAY · LEVEL 1 · CLARITY
FICTIONAL DEMONSTRATION
Here’s what deserves a closer look.
Reported financial accounts, before future taxes; business equity excluded.
Potential review areas. These are not confirmed problems or promised benefits.
Monthly retirement income check
- Retirement spending · 10B
- Dependable income · 10C
Your priorities
The initial order reflects your stated goals and relevant answers, not a prediction of the biggest financial benefit. Choose up to three priorities below; your snapshot updates here.
ⓘ Quick wins, big rocks and the rest
Low-hanging fruit means a relatively easy review or verification—not automatic permission to move money. Big rocks can materially affect income, family security or business value. Remaining items follow your priorities and dependencies. A time-sensitive issue should be discussed before following this default order.
You can see the questions. Now find out what the answers could mean.
Your Clarity snapshot identifies potential opportunities and coordination gaps. Spend a few more minutes in Confidence to explore the relevant questions with ballpark numbers and see illustrative potential ranges. An opportunity may be worth pursuing—or the comparison may show that a change is not worthwhile.
Continue to Confidence →Client estimates only. Clarity does not calculate potential savings or establish which strategy is best. Confidence explores feasibility and potential; your financial advisor later verifies the facts and selects appropriate strategies before implementation.
Continue the conversation: /retirement-xray/ · Ask your financial professional to review this snapshot. No financial inputs are included in the shared page link.
Refine your first priorities
Optional: choose up to three areas and adjust the discussion order. All opened opportunities remain in your snapshot.
Which areas did not open?
This means your current answers did not open them—not that every possible opportunity has been ruled out.