Tracking Your Retirement Protection Score

Executive summary

The Retirement Protection Score evaluates asset depth, coverage continuity, and LTC plan readiness — a focused subscore within HRI.

• Asset depth: years of withdrawal need covered
• Coverage continuity: health + Medigap + LTC
• Income floor: Social Security + pension + annuity

Key takeaways

• Asset depth: years of withdrawal need covered
• Coverage continuity: health + Medigap + LTC
• Income floor: Social Security + pension + annuity
• Sequence buffer: cash + bonds in early years

Key strategies

1. Strategy 1

   Asset depth: years of withdrawal need covered

2. Strategy 2

   Coverage continuity: health + Medigap + LTC

3. Strategy 3

   Income floor: Social Security + pension + annuity

4. Strategy 4

   Sequence buffer: cash + bonds in early years

Pro-tips checklist

• Run quarterly in the last 5 working years
• Re-test at each retirement-spend stage

FAQ