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Where is your retirement plan wide open to a crash?
Five questions about how your plan is built — not about what is in it. You will see which blind spots are open before you give us anything.
You will not be asked for a single figure. No portfolio value. No income. No account access. Nothing you would not say out loud to a friend.
When markets fall, what is the part of your plan that is supposed to protect you?
There is no wrong answer here. Most people have never been told which part of their plan is the defence.
No email needed to see your result.
What this audit looks at
Five things decide whether a retirement plan survives a structural decline: what is actually supposed to protect you, what is really inside the funds you hold, how the person managing your money is paid, where a year of spending would come from, and whether a written rule exists for the day the market falls.
None of those five need a number to answer. They need someone to ask them — which, for most people, nobody ever has.
How to read this audit
This is educational. It is a structural review of how a plan is built, based on the five answers you give. It is not personalized financial advice, not a recommendation to buy, sell or hold anything, and not a forecast of what markets will do.
Every line of the result follows from your five answers and nothing else. A dimension is counted as open unless it is fully covered, because a mechanism that can still reach your money has not been closed.
Your answers stay private, and you can see your result without entering your name or email. If you ask for the written audit, we use your address to send it and to answer a later question about it. We do not sell your data. What we keep, for how long, and who processes it is set out in full in our Privacy Policy.