Retirement Risk
Manage 30 years of retirement risk
Sequence-of-returns risk, longevity risk, healthcare risk, long-term care risk, and liability risk — all addressable with insurance + planning.
Household profile
Coverage in place
Wealth Preservation
Asset Protection
65
Resilience
48
Stability
55
Risk Exposure
55
Net worth
$35,000
Tier: Moderate · PS 2.0 53/100
Lifetime protection roadmap
Next 12 months
- Build emergency fund to 3 months
- Close life-insurance gap ($820,000)
- Confirm umbrella matches net worth
1–3 years
- Add private long-term disability
- Schedule valuables / collectibles
- Open or fund HSA reserve
3–5 years
- Title rentals/side-businesses in LLCs
- Begin LTC research (esp. age 50+)
- Confirm replacement-cost dwelling coverage
- Build 9–12 month emergency fund if self-employed
5–10 years
- Stack commercial + personal umbrella
- Coordinate retirement income + annuity planning
- Estate documents + trust review
Lifetime strategy
- Re-shop every line every 24 months
- Annual protection review at every life event
- Maintain protection score ≥ 80 across all dimensions