The map you
were never
given.
A free working toolkit — not a PDF to read and file. Five live Excel worksheets that tell you exactly where your financial structure stands. The starting point before any strategy.
Retirement Clarity Toolkit
Enter your name and email. The toolkit is delivered to your inbox immediately.
5 Worksheets Included
- Account Inventory — every account, every fee, totalled
- Net Worth Snapshot — assets minus liabilities
- Finish Line Calculator — your retirement number in 3 steps
- Fee Impact Analysis — what your fee rate costs over 20 years
- Structural Faults Diagnostic — 15-question self-assessment
Educational content only. Not financial advice.
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What you're getting
Five worksheets.
Not five concepts.
This is a working Excel file — not a PDF to read and forget. Every worksheet has live formulas. You enter your numbers. The picture builds itself.
Account Inventory
List every account — 401k, IRA, brokerage, old employer plans, insurance. Balances and fee rates. Fee drag calculated automatically.
Most importantNet Worth Snapshot
Complete asset and liability inventory. Liquid, retirement, real estate, business. Net worth calculated automatically.
Finish Line Calculator
Enter target retirement income, current age, current portfolio. Returns capital target and gap across three growth scenarios.
Key calculationFee Impact Analysis
Auto-pulls from your Account Inventory. Shows the dollar cost of your current fee rate over 20 years vs. lower and higher scenarios.
Structural Faults
15 yes/no questions across five fault dimensions. Identifies which faults are likely present and ranks them by priority.
Worksheet 01
The one most people have never done.
The Account Inventory asks one thing: put every account you own on the same page at the same time — including ones from former employers you haven't thought about in years.
Most professionals have never done this. Not because they're not paying attention. Because nobody ever asked them to.
"There's more capital than they realised. And more fee drag than they realised. Because nobody had ever put everything together before."
The worksheet calculates your effective total fee rate across all accounts simultaneously. For most people, it's the first time they've seen that number.
Worksheet 03
Your retirement number
in three steps.
The Finish Line Calculator does one thing most high earners have never done — gives them a specific, calculated destination.
Not "probably around $3–4 million." A precise figure, adjusted for inflation, stress-tested across three scenarios.
Illustrative figures — adjust inputs to your situation.
The right starting point
Is this for you?
The toolkit is built for a specific professional. Be honest with which column you're in.
- You're 40–48, earning $300K or more in household income
- You've never put all your accounts on the same page at the same time
- You contribute to retirement accounts but don't know if it's enough
- You've never calculated your specific retirement capital target
- You have a quiet sense the path you're on might not lead exactly where you intended
- You want an honest picture before making any bigger decisions
- You're early in your career and haven't started investing yet
- You already have a comprehensive financial plan you review regularly
- You're looking for specific investment recommendations (this is educational)
- You want someone to tell you everything is fine
Why this toolkit exists
I built it from the gaps.
I spent fifteen years earning well and doing the conventional things — maxing the 401k, trusting the advisor, accumulating accounts. On paper, I was doing everything right. What I didn't have was a map.
I didn't know my retirement number. I'd never calculated what my total fee rate was costing me. I had no way to see the gap between where I was heading and where I wanted to go.
In 2018, I took a $45,000 loss on two investments I had no business making — not because I was reckless, but because I was deploying capital without a framework. The Account Inventory in this toolkit is the starting point I didn't have.
I built this for the professional in their 40s who is doing everything they're supposed to do — and still can't clearly answer the question: where do I land at 60?
The toolkit is free. It's the first step. The work starts when you look honestly at the numbers it produces.
Common questions
Before you download
Straight answers.