THE RETIREMENT RATIO SESSION
When you know your Retirement Ratio, you know what your savings need to earn to fund your retirement without drawing down what you saved. That number guides every decision that follows.
HOW THE NUMBER IS FIGURED
Spending − Income sources = Annual gap
Annual gap ÷ Invested assets = Retirement Ratio
What you get
Your Retirement Ratio
For year one and as a ten-year average
A plan in plain English
Built around that number
Clear next steps
In order
How it works
1
Book your session.
The Retirement Ratio Session is $350, booked right on this page.
2
Gather what you have.
You get a one-page checklist of what to bring. Estimates are fine.
3
Get your number and your plan.
One focused session, and you leave with both.
What it looks like
A hypothetical household spends $90,000 a year and has $48,000 in income sources, a $42,000 gap. With $1,000,000 invested, its Retirement Ratio is 4.2%*: its portfolio needs to earn 4.2%* a year to cover the gap without drawing down principal.
* Example number for illustration only. This is a hypothetical household and does not represent typical or expected results.
Annual spending
$90,000
Income sources
$48,000
Annual gap
$42,000
Invested assets
$1,000,000
Retirement Ratio
4.2%*
Prefer to talk first? Book a free 30-minute call, call (205) 301-7690, or email hello@wealthbalanceadvisors.com.