Stop guessing. Start knowing if you’re on track for retirement.
A CFP® professional reviews your investments, taxes, Social Security, and cash flow — then gives you a clear 0–100 readiness score and a complete retirement roadmap. A flat $590, with no need to move your accounts.
A free 15-minute call first — no cost, no sales pitch. We’ll confirm “Am I on Track?” is the right fit before you pay anything.
“Am I on Track?” is for you if…
You’re approaching retirement and want a clear, honest answer to one question: can I actually afford the retirement I want?
Your savings are spread across several places — 401(k)s, IRAs, a brokerage account — and you have no single view of whether it all adds up.
You’re weighing when to retire, when to claim Social Security, or how to cover healthcare before Medicare — and you want the math done properly.
You want a complete plan you can act on — not a calculator’s rough guess.
“Am I on Track?” isn’t a sales meeting. It’s a complete, paid assessment by a CFP® professional — and you keep the full retirement roadmap whether or not you ever work with us again.
What your $590 “Am I on Track?” assessment covers.
A CFP® professional builds a complete picture of your retirement — six parts:
✓ Investment portfolio analysis — a review of your holdings, your risk level, your allocation, and the fees you’re paying.
✓ Tax return review — we read your most recent return for missed opportunities and tax-smart moves that strengthen your plan.
✓ Social Security optimization — we identify your optimal claiming age so you get the most from your benefits.
✓ Cash flow and gap analysis — a full look at money in and money out, with income projections that show whether your plan holds up.
✓ Your 0–100 retirement readiness score — one clear number showing how likely you are to reach your retirement goals.
✓ Personal scorecard — a visual snapshot of your net worth, and a baseline to measure your progress from here.
It’s all delivered as a complete retirement roadmap you keep — regardless of whether you decide to work with us.
Free calculator, Second Opinion, or "Am I on Track?" — how they compare
Not every pre-retiree needs the full assessment. Here's how the three most common options stack up — so you can pick the one that actually fits 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-checking your investments and fees | Pre-retirees who want the complete picture |
| Price | Free | $295 | $590 |
Still not sure? We'll help you decide on your free discovery call — no cost, no pressure.
What to expect, from start to finish.
Here’s exactly how your personalized retirement assessment works:
1. Book your free discovery call.
A 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.
2. We build your analysis.
A CFP® professional reviews your investments, taxes, Social Security options, and cash flow — looking for gaps, missed opportunities, and ways to strengthen your plan.
3. We walk you through it.
In a personalized review session, your CFP® professional explains your 0–100 readiness score, answers your questions, and gives you clear, specific recommendations.
4. You keep the roadmap.
You walk away with a detailed summary of the findings and your next steps — giving you clarity, with no pressure and no ongoing obligation.
Simple, one-time pricing — $590.
“Am I on Track?” is a flat $590, paid once, when you decide to move forward. There’s no need to move your accounts, and no ongoing commitment — the assessment stands on its own.
Frequently Asked Questions
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A calculator runs a formula on a handful of numbers you type in. "Am I on Track?" is a CFP® professional reviewing your actual investments, tax return, Social Security options, and cash flow — and 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 walks you through the findings, answers your questions, and hands you the retirement roadmap. If working together makes sense for both sides, we can talk about it. If not, you take the roadmap and go.
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Fair question. $590 is what a focused, defined-scope assessment costs — investments, tax return, Social Security, cash flow, readiness score, and a roadmap. It's not a comprehensive ongoing engagement, and it's not meant to be. If your situation genuinely needs more, we'll tell you on the discovery call — before you pay anything.
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A CFP® professional at Vision Retirement does the analysis and walks you through the findings personally. There's no back office we hand this off to.
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"Am I on Track?" is built for real pre-retiree situations, which usually include several account types and outside income sources. If there's something genuinely outside scope — say, a complex estate plan or a business succession — we'll flag it on the discovery call and tell you honestly whether this is the right starting point or whether you need something else first.
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No. Your accounts stay exactly where they are. There's no obligation to change anything, and no obligation to work with us afterward.
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Your investment account statements and your most recent tax return, plus a few supporting documents we'll list on your discovery call. From the point you send everything to the point a CFP® professional walks you through the findings is about two weeks.
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The Second Opinion ($295) is a focused review of your investment portfolio and fees. "Am I on Track?" ($590) is the complete picture — the investment review plus taxes, Social Security, cash flow, a 0–100 readiness score, and a full retirement roadmap.
30+
YEARS
Helping families navigate complex retirement decisions
FIDUCIARY
Legally required to put your interests first — throughout the relationship, not just at the point of sale.
TRANSPARENCY
Clear pricing, no hidden fees, no surprises.
PROPRIETARY PRODUCTS
No proprietary funds. No incentives to push them.
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Find out exactly where your retirement stands.
Book a free 15-minute discovery call. We’ll confirm “Am I on Track?” is the right fit, answer your questions, and tell you exactly what to send — no cost, no pressure.