Current Strategy
- Projected lifetime taxes
- $615,093
- Projected required withdrawals
- $3,185,729
- Tax-free portion of ending value
- 14.5%
- Projected ending value
- $7,491,539
Retirement Opportunity Analysis
Will Your Retirement Savings Last, and How Much Will You Keep After Taxes?
You may have more retirement opportunities than you realize. SageonRQ analyzes your savings, income, taxes, and retirement decisions to show where you could keep more of your money, reduce unnecessary taxes, and improve your long-term financial outlook.
See how your current retirement approach compares with a modeled alternative.
Watch to learn more about the Retirement Opportunity Audit and how to get it for Free.
An illustrative Audit comparison
See what your retirement could look like with a different strategy.
Your current retirement approach may not be the most effective way to manage taxes and preserve your savings. SageonRQ compares your current approach with a modeled alternative so you can understand the potential differences.
Modeled Strategy
- Projected lifetime taxes
- $454,671
- Projected required withdrawals
- $20,997
- Tax-free portion of ending value
- 100%
- Projected ending value
- $8,309,109
$160,422 less in projected lifetime taxes
$817,570 more in projected ending value
Your results will depend on your financial information.
How it works
See what your retirement opportunities could be in three simple steps.
Tell us about your retirement
Enter information about your retirement savings, income, expenses, and financial goals.
We analyze your opportunities
SageonRQ evaluates alternative strategies and compares their projected outcomes.
Review your personalized report
See potential differences in lifetime taxes, required withdrawals, and retirement savings.
Retirement Questions
Questions worth asking before you retire.
Will My Retirement Savings Last Throughout Retirement?
Read the Answer ↗What If I Don’t Need the Money From My RMDs?
Read the Answer ↗What Happens to Our Retirement Savings and Taxes When One Spouse Dies?
Read the Answer ↗Could Paying a Little More in Taxes Help You Keep More in Retirement?
Read the Answer ↗A whole-plan review
Your retirement is more than an account balance.
Your analysis connects the decisions that shape your retirement, not just investments in isolation.
$
01
Income sustainability
Could your savings support your retirement income needs throughout retirement?
% 02Taxes & RMDs
Could different withdrawal and tax strategies help you keep more of your savings?
◇ 03Spousal security
What could happen to your household's taxes and retirement savings when one spouse dies?
⌁ 04Market & care risk
How could market changes and long-term care needs affect your retirement outlook?
More possibilities. A more informed path.
We evaluate over 1,000 variations of your retirement strategy.
Small changes in when you withdraw money, convert retirement savings to Roth accounts, or manage taxes can create meaningful differences over time. SageonRQ evaluates thousands of combinations to identify opportunities that may not be obvious when looking at each decision separately.
20+
Years projected
8
Planning areas reviewed
1,000+
Possible combinations
✦ Modeled opportunity
Retirement Opportunity Analysis
Discover opportunities to improve your retirement.
Prepared specifically for your householdClear enough to act on. Built to go deeper.
Your opportunities, brought together in one personalized report.
See what may be possible, understand the tradeoffs, and use your analysis to have a more productive conversation about your retirement.
- Key opportunities at a glance
- Current and modeled projections
- Plain-English explanations
- Downloadable report to keep or share
Retirement Opportunity Audit $39.95
Discover opportunities to reduce lifetime taxes, manage required withdrawals, and potentially preserve more of your retirement savings.
It only takes about 7 minutes to complete.
Two ways to go deeper
Discover your opportunities. Build your retirement strategy.
The Audit analysis identifies potential opportunities for an increased ending value, increased tax-free assets, lower taxes and fewer Required Minimum Distributions.
Navigator uses your Audit results to create 3 strategy options for you to select from. Then it provides a complete roadmap for implementation.
Everything needed to execute your optimized retirement strategy is included in the Navigator report. You can do it yourself or give it to your financial advisor to handle.
Available now
Retirement Opportunity Audit
Discover opportunities you may be missing. Compare your current retirement approach with a modeled alternative to understand potential differences in taxes, required withdrawals, and retirement savings.
Coming soon
Retirement Strategy Navigator
Explore retirement strategies based on your financial information, preferences, and goals. Select a strategy and receive personalized implementation details when Navigator becomes available.
Questions, answered
Frequently Asked Questions
Everything you need to know before starting your analysis.
What will my analysis show?
Your analysis highlights potential opportunities across retirement income, taxes, required minimum distributions, tax-free assets and spousal survival.
How long does it take?
Most households complete the guided questions in about seven minutes.
Do I need to know every account detail?
No. Reasonable current estimates are enough to begin your analysis.
How much does the audit cost?
The Retirement Opportunity Audit is $39.95.
Who is the audit for?
Anyone 55+ who wants to get an optimized retirement strategy.
Is this financial advice?
No. SageonRQ provides educational retirement analysis and modeled planning opportunities, not individualized investment, tax, or legal advice.
Your next step
Discover what your retirement plan may be missing.
It only takes about 7 minutes to complete.