Manage Debt
Worth 20 points.- Paid off in about10 months
- Total interest$1,399.83
See where you stand.
Take the next step.
Answer plain questions, one at a time. Get your Retirement Preparation Score and a clear list of what to do next.
Start my score
Free. No account numbers. We ask for your email at the end. A phone number is optional.
The view from hereYour report
Sample. Fictional person.
Your Retirement Preparation Score
50out of 100
Your answers are in
Directional only. It shows steps taken. It does not mean you are prepared.
Asset Allocation
Worth 10 points.- Acme Trust$210,000
- Beacon Retirement$92,000
- Prior employer retirement plans$302,000
Nothing moves unless you decide.
Creating a Retirement Income Plan
- Retirement age65 and 66
- Social Security, monthly$4,300
- Pension, monthly$1,500
Income analysis: 5Introductory call: 5
Your money is in a few places.
- An old plan from a job you left.
- A current plan you rarely open.
- Savings at the bank.
Each one has its own statement. None of them shows the whole picture.
And asking for help can feel like walking into a sale.
So it stays in the drawer another year.
Here, you see it first.
Your own numbers, laid out plainly, before you decide anything.
Half is answering.
Half is doing.
Your Retirement Preparation Score runs from 0 to 100. It counts steps you've taken. It doesn't measure your wealth.
0out of 100
Step one: answer
Up to 50 points. Answer every question, and your score reaches 50. Best guesses are fine.
Step two: do
The rest comes from your report. Each card shows a step you can take, and what it's worth.
How your score adds up
If you're saving for retirement
- Answer every questionup to50
- Life insurance meets the guideline, or you request a quote20
- No credit card debt, or you use the payoff schedule15
- You request a review of your existing accounts5
- All of the above are done10more, to reach 100
If you're ready to retire soon
- Answer every questionup to50
- No credit card debt, or you use the payoff schedule20
- You request a review of your existing accounts10
- You ask to talk about a retirement income analysis5
- You schedule an introductory call5
- All of the above are done10more, to reach 100
We'll be straight about this.
Some points come from asking for a review or a call. You can skip them. Your report stays the same.
What the score means.
It's directional. It shows you are taking the right steps to prepare for retirement. It does not mean you are prepared for a successful retirement.
Two ways in.
We ask your age first. Under 55, you start on Save for retirement. At 55 or older, you choose.
Save for retirement
For building what you have.
- Protecting your income
- Managing your debt
- How your existing accounts are set up, if you have any from past jobs or on your own
Ready to retire soon?
For looking at what comes next.
- Managing your debt
- How your existing accounts are set up
- Creating a retirement income plan
We also ask about your retirement age, Social Security and any pension.
You leave with more than a number.
Two ways to pay them off
Sample. Fictional person.
Total balance over time
Avalanche
Paid off in about10 monthsTotal interest$1,399.83
Snowball
Paid off in about10 monthsTotal interest$1,872.21
Minimums only
Paid off in about133 monthsTotal interest$21,614.78
Avalanche, less interest than minimums only$20,214.95
Your score.
With every point explained.
Your picture.
Income, expenses, savings and debts, on one page.
A debt payoff schedule.
If you have debts and room in your budget, you'll see two ways to pay them off.
Your guideline check.
On the Save track, your insurance against common guidelines.
Your next steps.
Each one plain. Each one your choice.
A way back.
A link to your report, so you can return to it.
What we ask. What we don’t.
We ask for:
- Your name, age and state
- Your income and monthly expenses
- Where your savings are, and rough balances
- Your debts, without your home mortgage
- Your email at the end, and your phone if you choose
We never ask for:
- Account numbers
- Your Social Security number
- Bank or plan logins
- A credit card
What happens to your answers.
Your connection to this site is encrypted. We use your answers to build your report, and to follow up if you'd like that. A person from our team can see your answers. A licensed professional sees what they need, if you ask for a quote or a review.
Will someone call?
Only if you'd like that. Give a phone number, or ask from your report, and a person will follow up within a few days. You can say stop, and we stop.
We're not selling anything on this page.
You won't be asked to buy anything here.
Questions
Is this a sales trap?
It's a fair question. The site is free, and the report is yours either way. We only provide guidance through financial advisors, and only if you'd like that. An advisor may offer insurance or investment services. Asking is up to you.
Why do you want my email? Will someone call?
Your email brings you back to your report. A phone number is optional. Give one only if you'd like someone to follow up, and a person will be in touch within a few days. No number, no call. Say stop, and we stop.
Do you need my account numbers or Social Security number?
No. We never ask for either. You give the name of the institution and a rough balance.
What does my score mean?
It shows you're taking the right steps to prepare for retirement. It does not mean you're prepared for a successful retirement. A high score isn't a promise.
What if I don't know my numbers?
Best guesses are fine. Rough numbers still make a useful picture. You can stop any time and come back with a code.
Is this financial advice?
No. This site is education. It names no products and doesn't tell you what to buy or move. For advice about your own situation, talk to a licensed professional.
Can I have my information removed?
Yes. Email us and ask. hello@retirementdock.com
Start with what you know.
One question at a time. Rough numbers are fine.
Start my scoreFree. No account numbers. We ask for your email at the end. A phone number is optional.