Stop guessing. Start knowing if you’re on track for retirement.
A CFP® professional will review your investments, taxes, Social Security, and cash flow and deliver a 0–100 readiness score and roadmap—all for a flat fee of $590. Your accounts stay where they are.
On this free 15-minute call, we’ll confirm “Am I on Track?” is the right fit before you commit.
Your readiness score
You're on track
With a few adjustments, you'll be well-prepared.
What we review
Retirement projection
$1.8M
At age 67
Am I on Track? ($590 retirement readiness)
Retirement calculators tell you one thing. Your gut tells you another. Neither answer is a plan.
“Am I on Track?” is a one-time, flat-fee review cutting through both, with a CFP® professional looking at your actual numbers (not making generic assumptions) and telling you honestly if you’re where you need to be, where the gaps are, and what to do about them. No AUM minimum, ongoing commitment, or sales pitch at the end.
“Am I on Track?” is right for you if…
You want a straight answer. You're approaching retirement and want an honest answer to one question: Can I actually afford the retirement I want?
Your savings are scattered. Looking across 401(k)s, IRAs, and a brokerage account, you don’t currently have a single view showing how all of it adds up.
You're weighing big decisions. You want the math done properly while considering when to retire, when to claim Social Security, and/or how to cover healthcare before Medicare kicks in.
You want a plan, not a guess. A complete plan you can act on goes beyond a calculator's rough estimate.
What our $590 “Am I on Track?” assessment covers
A CFP® professional will build a complete picture of your retirement, spanning six parts:
Investment portfolio analysis
This provides a review of your holdings, risk level, allocation, and fees you're paying.
Tax return review
We’ll examine your most recent return for missed opportunities and tax-smart moves to strengthen your plan.
Social Security optimization
We’ll identify your optimal claiming age so you can get the most from your benefits.
Cash flow and gap analysis
This provides a rounded look at money in and money out, with income projections showing whether your plan holds up.
Your 0–100 retirement readiness score
One clear number will show how likely you are to reach your retirement goals.
Personal scorecard
This is a visual snapshot of your net worth and a baseline to measure your progress against.
How our free calculator, Second Opinion, and "Am I on Track?" compare
Not every pre-retiree needs a full assessment. Here's how the three most common options stack up so you can choose the best fit for your situation.
| Free retirement calculator | Second Opinion$295Learn more → | Am I on Track?$590Recommended | |
|---|---|---|---|
| Who does the work | An algorithm | A CFP® professional | A CFP® professional |
| Investment portfolio review | — | ✓ | ✓ |
| Fee analysis | — | ✓ | ✓ |
| Tax return review | — | — | ✓ |
| Social Security optimization | — | — | ✓ |
| Cash flow & gap analysis | — | — | ✓ |
| 0–100 retirement readiness score | Probability estimate | — | ✓ |
| Retirement roadmap | — | — | ✓ |
| Personalized walkthrough | — | ✓ | ✓ |
| Time to complete | Minutes | About one week | About two weeks |
| Best for | A rough gut-check | Sanity regarding your investments and fees | Pre-retirees who want the complete picture |
| Price | Free | $295 | $590 |
Still not sure? We'll help you decide on our free discovery call — no cost, no pressure.
What to expect, from start to finish
Book your free discovery call.
On this free 15-minute call with a CFP® professional, we'll talk through your situation, confirm "Am I on Track?" is the right fit, and tell you exactly which documents to send us.
We'll build your analysis.
A CFP® professional will review your investments, taxes, Social Security options, and cash flow: looking for gaps, missed opportunities, and ways to strengthen your plan.
We'll walk you through it.
In a personalized review session, your CFP® professional will explain your 0–100 readiness score, answer your questions, and provide clear, specific recommendations.
You'll keep the roadmap.
You’ll walk away with a detailed summary of our findings and next steps—giving you clarity with no pressure or ongoing obligation.
Simple, one-time pricing
“Am I on Track?” is a flat $590—paid once—with no need to move your accounts and no ongoing commitment. The assessment stands on its own.
Meet the CFP® professionals behind every engagement.
You’re paired with a primary CFP® professional who knows you well, with the rest of the team as backup — so meetings stay on schedule and questions get answered promptly.
Paul Muller, AEP®, CFP®
Relationship Manager and Founder
Benjamin Stark, CFP®
Financial Advisor and
Director of Client Experience
Nicholas Taber, CFP®
Associate Financial Advisor
FAQs
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While a calculator runs a formula based on a handful of numbers typed in, "Am I on Track?" tasks a CFP® professional with reviewing your actual investments, tax return, Social Security options, and cash flow: giving you a plan you can act on, not just a probability score.
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No. This is a standalone, paid engagement—not a sales meeting. Your CFP® professional will walk you through the findings, answer your questions, and hand you a retirement roadmap. If continuing to work together makes sense for both sides, we can talk about it. If not, you’ll depart from the engagement armed with your roadmap.
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Fair question. A focused, defined-scope assessment costs $590: covering investments, tax returns, Social Security, cash flow, readiness score, and a roadmap. It's not a comprehensive ongoing engagement, nor is it meant to be. If your situation genuinely calls for more help, we'll tell you that on the discovery call—before you pay a dime.
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A Vision Retirement CFP® professional performs the analysis and will personally walk you through the findings, with no back office to hand the work off to.
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"Am I on Track?" is designed specifically for real pre-retiree situations, which typically include several account types and outside income sources. Should something genuinely outside scope pop up—say, a complex estate plan or business succession—we'll flag it on the discovery call and tell you honestly whether this is the right starting point or if something else is required.
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No. Your accounts stay exactly where they are with no obligation to change anything or work with us afterward.
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You’ll need to provide your investment account statements and most recent tax return, plus a few supporting documents we'll mention on your discovery call. The process will take about two weeks from the time you give us those to when a CFP® professional will walk you through our findings.
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While Second Opinion ($295) is a focused review of your investment portfolio and fees, Am I on Track? ($590) provides the complete picture: an investment review plus taxes, Social Security, cash flow, a 0–100 readiness score, and a full retirement roadmap.
Helping families navigate complex retirement decisions.
Legally required to put your interests first — throughout the relationship, not just at the point of sale.
Clear pricing, no hidden fees, no surprises.
No proprietary funds. No incentives to push them.
Ready when you are
An objective read on where you really stand
Book a free 15-minute discovery call. We’ll confirm if Am I on Track? is the right fit, answer your questions, and tell you exactly what to send us—no cost, no pressure.
Schedule a FREE Discovery CallPrefer to call? 201-447-2212