LICENSED PROFESSIONALS · A-RATED CARRIERS
A RESULTS REVIEW — NOT A SALES PITCH
FREE DIAGNOSTIC · NO EMAIL REQUIRED TO SEE IT

What's your Retirement Tax Exposure Score?

Eight inputs, sixty seconds, and a number on the dial — how exposed the money you've built is to future tax rates, market timing, and protection gaps. You see the score instantly, on screen.

8 INPUTS60 SECONDS0–100 SCORE, INSTANT$0 · NO OBLIGATION
BUILT FOR HOUSEHOLDS EARNING $100K+ · METHODOLOGY PUBLISHED BELOW
What this isn't: a “tax-free millionaire” pitch. High scores don't get a magic product — they get a 15-minute results review with a licensed professional whose verdict can be “you're fine.”
METHODOLOGY

Three exposures. One number.

Tax exposure
How much of your retirement sits in pre-tax accounts the IRS reprices later. Deferred is not avoided: with the national debt near $38T, every 401(k) dollar is a joint account with a partner who sets his share at withdrawal.
Market-timing risk
Your distance from retirement vs. your market concentration. A 2008-sized year (S&P −37%) hitting your first withdrawal years locks losses in permanently — sequence risk punishes timing, not discipline.
Protection gap
Who depends on your income vs. what actually covers them. ~100 million Americans report a life-coverage gap (LIMRA) — most overestimate the cost 3x and simply never run the check.
SCORE 0–100 · UNDER 40 MODERATE · 40–65 ELEVATED · OVER 65 CRITICAL
Licensed, named, on record
Your results review is with one identified professional — NPN shown before you submit.
You'll know the number calling
His direct line is displayed up front and texted to you. No “Unknown Caller.”
A-rated carriers only
If a fix involves coverage, it's quoted across multiple A-rated carriers — never one company's pitch.
“You don't need this” is a valid result
The review ends with a verdict either way. You keep the analysis regardless.

Fair questions

What happens after I get my score? +
You see it instantly, on screen — no email hostage-taking. If you want the full breakdown, you book a 15-minute results review: a licensed professional walks your three sub-scores line by line and shows what fixes each one, with the costs visible. Nothing can be signed on that call.
Is this just a funnel to sell me an IUL? +
The honest answer: an Indexed Universal Life policy is one of the tools our professionals use — for the specific household it fits (high earners, accounts maxed, $500+/month capacity, 10+ year runway). It has real costs, capped growth, and a long commitment, and for most people the fix is something else: a Roth strategy, term coverage, or simply staying the course. That verdict is free and stated plainly.
Is the score real or marketing theater? +
It’s a directional estimate computed from your 8 inputs against the three published exposure categories above — useful the way a blood-pressure cuff at a pharmacy is useful: not a diagnosis, but a real signal about whether a professional look is worth 15 minutes. The methodology is on this page; nothing is hidden in a black box.
Who exactly calls me? +
The licensed professional named on the form — his license number (NPN) and direct line are shown before you submit and texted to you right after. One person, in the window you chose. Not a call center, not a rotating cast.