Free · No card · No call
Three free tools. Each one ends in a number, not an opinion.
Ninety seconds gives you a readiness score from 0 to 100 and the exposure sitting behind it. Two minutes gives you the number of years your portfolio funds, calculated twice: once with markets behaving, once with a decline landing while you are drawing on it. And sixty seconds tells you how many of the five blind spots sit open in the way your retirement plan is built — without asking for a single figure. All three are free, all reports are free, and none of them asks for a card.
The Financial Vulnerability Scan · Free · 90 seconds · No card
If a 50% correction hit next year, how many years would it cost you?
Find out in ninety seconds — your score and full report by email. The same framework Michael has used to audit portfolios through four crises.
- A single readiness score from 0 to 100
- A breakdown of the areas it measured, so you can see what is pulling the score down
- A prioritized list of moves you can act on this week
Scored against a rubric built over more than 25 years in finance and investing, and refined by auditing portfolios through four crises. About Michael →
The Retirement Check · Free · 2 minutes · No card
How long will your portfolio last?
This check projects the number of years your money funds your life in two futures. One where the economy holds and markets deliver their long-run averages. One where a market decline arrives while you are drawing on the portfolio, and your own allocation decides what it costs you.
- The first projection assumes the economy behaves: each asset class earns its long-run average
- The second projection is identical except for one event — a decline arrives while you are still taking money out
- The page shows you the two headline numbers; the email carries the year-by-year table for both paths
The Advisor Blind Spot Audit · Free · 60 seconds · No figures needed
Where is your retirement plan wide open to a crash?
Five questions about how your plan is built — not about what is in it. The audit never asks for a figure: no portfolio value, no income, no account access. It ends in a verdict — how many of the five blind spots your plan carries.
- Five questions, and none of them needs a number to answer
- A verdict out of five — which blind spots are open, and which are covered
- No email needed to see your result
Which one first
It depends on where you are standing.
Still working, retirement in sight
Start with the Financial Vulnerability Scan. The question that matters is how much of what you have built is exposed, and to what.
Already drawing on the portfolio
Start with the Retirement Check. The question that matters is how many years it funds if a decline arrives next year.
Someone else manages the money
Start with the Advisor Blind Spot Audit. The question that matters is what nobody is watching in the way the plan is built.
Honestly, all of them
Most people run all three. They answer different questions, and none of them costs anything.