The 3-minute Retirement Checkup
You saved the money. Is it arranged right?
Getting to retirement was the hard part. Making it last is a different skill — and it starts with knowing your Readiness Score.
See your score — freeAnswer seven questions
One tap each, about three minutes. Plain questions in plain words.
See your score instantly
A 0–100 read across income, taxes, resilience, and clarity — before you enter anything.
Get your full results free
A plain-English breakdown of all four pillars, emailed in about a minute.
No email needed to see your score.
Free tools — no sign-up to start
The Retirement Checkup
Seven questions across income, taxes, resilience, and clarity. Get a 0–100 score and see your gaps.
Get your score → CalculatorsPlanning calculators
Retirement projection, 2026 tax brackets, a Social Security claiming comparison, and a Roth conversion illustration. Run the numbers.
Open the tools → GuidesLearn, in plain English
Short, evidence-based guides on the decisions that shape a retirement — no product pitch.
Start reading →Worth reading first
The order you draw down accounts is a tax decision
Withdrawal sequence, bracket management, and the Social Security tax torpedo — one of the most overlooked levers in a plan.
Read → Income Planning · 7 minWithdrawal rates: what the research actually says
The 4% rule, buckets, bond ladders, and sequence-of-returns risk — practical frameworks for income that lasts.
Read → Roth · 6 minRoth conversions: when they pay off, and how to time them
When conversions make sense, using the pre-RMD window, IRMAA interactions, and legacy planning. Current 2026 figures.
Read →Retirement Made Clear is built and run by The Financial Sciences Company, a fee-only fiduciary firm in Frisco, Texas. We don’t sell products, we don’t take commissions, and we made this site because the best first meetings happen after you’ve seen your own numbers. Use the tools freely — they’re yours either way.
The monthly letter
One plain-English idea a month.
One retirement idea, one calculator worth ninety seconds, and a quiet way to book a conversation if it ever makes sense. No noise.