Retirement Planning Assessment

Will Your Money Last
as Long as You Do?

The greatest financial risk in retirement isn't losing money in a market crash — it's outliving your savings. Find out if your retirement plan is built to last.

Get My Retirement Score — Free →

4 minutes  ·  No signup required  ·  Not a sales pitch

21 yrs
Average length of retirement today
$315k
Estimated healthcare costs per couple in retirement
46%
Americans with no written retirement savings plan
$200k+
Lifetime difference: claiming SS at 62 vs 70
How This Assessment Works
Find out if your retirement plan actually covers your retirement — or just your savings target.

Answer questions about your age, savings rate, accounts, and expected retirement lifestyle. Get a Retirement Readiness Score that stress-tests your plan against the risks most calculators ignore.

Check your savings vs. real cost
Your 'number' is the easy part. We also check your savings pace, account mix, and withdrawal plan against inflation and realistic healthcare costs.
Stress-test sequence-of-returns
A bad market in your first 5 retirement years can wreck a plan that looked fine on paper. We flag whether you have the cash buffer and allocation to survive it.
Coordinate Social Security + Medicare
Claiming timing, RMDs, Roth conversions, IRMAA, and Medicare enrollment interact. We map the decisions in the right order for your situation.

Not financial advice. Sema Legacy is an educational tool. For decisions involving your specific portfolio, work with a fee-only fiduciary advisor.

The Retirement Risks Most People Never See Coming

Retirement failure rarely looks like a market crash. It usually looks like a hundred small planning gaps that compound silently over decades.

01
Critical
No retirement number — so there's no way to know if you're on track
Without calculating your target savings number, you can't know whether you're on track or 20 years behind. Yet most Americans have never done this calculation.
02
Critical
A bad first 5 years of retirement destroys even a solid portfolio
Sequence-of-returns risk means retiring into a down market — combined with withdrawals — can permanently impair your portfolio even if markets fully recover. Most plans have no protection strategy.
03
High Risk
The wrong Social Security claiming decision costs $200,000+
Claiming at 62 vs. 70 can mean $200,000 or more difference in lifetime benefits. This is a permanent, irrevocable decision most people make without any modeling or analysis.
04
Important
Inflation silently cuts your purchasing power in half over 20 years
At 3% annual inflation, $5,000/month today is worth only $2,752/month in 20 years. A fixed retirement income without inflation protection quietly loses half its value while you sleep.

What Your Free Retirement Assessment Reveals

10 questions. A personalized protection score. A clear action plan for your situation.

✓
Whether you have a written retirement income plan or are improvising
✓
If your savings rate is on track to hit your retirement number
✓
Your Social Security optimization opportunity and estimated lifetime impact
✓
Whether your portfolio has sequence-of-returns protection built in
✓
Whether healthcare costs in retirement are factored into your plan
✓
A prioritized action checklist with step-by-step guides for your state

Three Steps. Four Minutes.

No login. No credit card. No sales call.

1

Answer 10 Questions

About your timeline, savings, income sources, and current strategy. No account access required.

2

See Your Score

Get your Retirement Protection Score and your top gaps instantly — completely free.

3

Follow Your Plan

Unlock step-by-step guides for each gap, personalized to your state and situation.

What It's Worth

For $39/month, protect a retirement worth $500,000 or more

Retirement planning mistakes compound silently for decades. By the time most people realize the gaps, it's too late to fully fix them.

Under-Saving
Not knowing your retirement number
$200,000–$500,000
in shortfall — most people who haven't calculated their target are saving 30–50% less than they need to
Wrong Asset Allocation
Portfolio not adjusted for risk as you age
$50,000–$200,000
lost in sequence-of-returns risk — a market drop at the wrong time can permanently shrink your nest egg
No SS Strategy
No Social Security claiming plan
$100,000–$250,000
in foregone lifetime benefits — SS claiming is inseparable from a good retirement income plan
Tax Inefficiency
No tax-efficient withdrawal strategy
$30,000–$80,000
paid unnecessarily in taxes over retirement — Roth conversions, bracket management, and ordering matter enormously
Common retirement planning gaps cost
$300,000+
vs
Sema Legacy annual cost
$349/year

Four minutes to find out if your retirement plan has gaps. Most people find at least two — and fixing them costs a fraction of what they save.

Document Vault
Store, organize, and AI-analyze your important documents

Upload your will, trust, insurance policies, and healthcare directives. Sema Legacy keeps them organized by topic — and AI reads them to flag what's outdated or missing.

Secure upload — PDF, images, Word
AI document analysis
Smart document checklist
Organized by topic
Never shared with third parties  ·  Included with your plan
Free Assessment

Find Out if Your Retirement Plan Will Actually Hold Up

Most people discover at least 3 gaps they didn't know they had. It takes 4 minutes and costs nothing.

Start My Free Retirement Assessment →

4 minutes  ·  No signup  ·  Not a sales pitch

Educational Use Only. Sema Legacy provides educational information, not financial or investment advice. Always consult a qualified financial advisor for decisions specific to your situation.