One last step. Where should we send your full scorecard?

Your personalized result, the specific levels your advisor is missing, and what each gap costs. Greg's team reviews every intake personally.

Accumulation Phase

Question 1 of 8 13%

Your Result

What this is actually costing your family

Every gap below is real, calculable, and silently bleeding wealth from your retirement and your family's inheritance. Right now. Today. This month.

What this means for your family

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Sources & Methodology

Figures based on published research from Vanguard, Genworth Financial, the American Association of Retired Persons (AARP), the American Bar Association, the Financial Planning Association Journal, the National Bureau of Economic Research, the Internal Revenue Service, and the U.S. Department of Health and Human Services. Individual results vary.

Fees & wrong account structure: Vanguard Advisor's Alpha (2022): disciplined practice adds approximately 3% per year net of cost. Vanguard Asset Location (2023): optimized location adds approximately 30 basis points per year. Morningstar 2024 Fee Study.
Unplanned taxes and mandatory withdrawals: Financial Planning Association Journal (Sept 2024): $120K to $160K+ in lifetime tax savings via pre-withdrawal Roth conversions on a $1.4M retirement account. Schwab Center for Financial Research. IRS mandatory withdrawal rules.
Social Security timing & longevity: United Income via CBS News (2019): $111K average household loss. Only 4% claim optimally. Georgetown / National Bureau of Economic Research (2025): approximately $227K median wealth shortfall.
Probate & misdirected assets: American Bar Association: 3% to 8% of gross estate, approximately 16-month timeline. AARP Policy Book: 5% to 10% of estate value, attorney fees up to 20% or more.
Health events & long-term care: Genworth Financial / CareScout 2024 Cost of Care Survey: $127,750 per year for private nursing home care. U.S. Department of Health and Human Services: approximately 70% of 65-year-olds will need long-term care.