Wealth Protection Advisory
Step 1: Fixed-Bill Income Floor

Can your retirement income cover the bills that must be paid every month?

Start with approximate numbers. The Retirement Income MRI identifies your fixed monthly overhead, compares it with current guaranteed income, then shows why essential bills should not depend entirely on market timing.

Retirement Income MRI Financial Diagnostic Scan

Start With The Bills That Must Be Paid

Approximate is fine. Exact numbers can be cleaned up with an advisor later.

Mortgage or rent, car payments, health insurance, utilities, food, taxes, insurance, and other must-pay overhead.

Social Security, pension, or other income already guaranteed. Enter 0 if unknown.

IRA, 401(k), brokerage, current account values, or savings available for retirement income.

Used only to estimate when income may start.

What the MRI checks: It compares fixed bills against guaranteed income. If a gap appears likely, the next steps preview a market-income planning benchmark using a hypothetical 5% growth rate and a 3.5% to 4% withdrawal range against the lifetime guaranteed income benchmark using 8% simple growth before income starts and a 7% lifetime income factor when income begins. The exact numbers and full report are unlocked after the review gate so WPA can verify the details.
Run My Market Shock MRI →

What Happens Next

  1. 1

    Find the income gap

    See the monthly bills not covered by guaranteed income.

  2. 2

    Stress test the market path

    See whether market withdrawals may run out after a bad early sequence.

  3. 3

    Request the MRI review

    Send the estimate to an advisor to calculate exact income options.

Preliminary MRI Preview

Income GapReview Needed
Market Shock30% Crash
Full ReportGated
Advisor ReviewWPA

Planning Insights

  • Start with approximate fixed monthly bills. This is the income floor that should not depend entirely on market timing.
  • The full MRI report identifies the uncovered guaranteed lifetime income gap after the review gate is completed.
  • The market-income comparison uses a hypothetical 5% growth assumption and a commonly referenced 3.5% to 4% withdrawal planning range.
  • The lifetime guaranteed income benchmark uses 8% simple growth before income starts and a 7% lifetime income factor when income begins.
  • WPA can review available options after verifying the exact numbers, liquidity needs, taxes, suitability, and planning goals.
Next: Shock →
Important disclosure: This system is a hypothetical educational tool for discussion only. It is not investment, insurance, tax, legal, fiduciary, or product advice. Results depend on approximate information and sample assumptions and must be reviewed with WPA before any decision is made.
FAQ

Frequently Asked Questions

What does the Retirement Income MRI estimate?

It estimates fixed monthly bills, current guaranteed income, the resulting guaranteed lifetime income gap, and a sample market-funded income stress test.

Is this a recommendation?

No. The MRI is a preliminary educational tool. A WPA advisor must verify exact numbers, suitability, liquidity needs, taxes, and available options before any recommendation is considered.

What is the fixed-bill income floor?

It is the portion of your monthly overhead — mortgage or rent, insurance, utilities, food, taxes — that should not depend on market performance.

How is the market shock modeled?

The default stress test applies a 30% first-year crash, then two additional bad-return years (-16% and -6%), while the income gap is still being withdrawn. Historical S&P 500 total-return periods are shown as reference only, not a prediction.