Free · no account · nothing leaves your browser

You are building The Decision Record.

A ten-section document that answers the four retirement decisions you cannot undo — in writing, with every figure sourced and every assumption listed, including the ones it had to make for you.

    Three answers gets you the first real number. The Record fills in as you go, and it is yours to print whether or not you ever speak to us.

    Your answer so far

    The Decision Record prepared in your browser · 10 sections
    1. Terms of this document
    2. Understanding your circumstances
    3. Identifying and selecting goals
    4. Analysing your current course
    5. Alternative courses of action
    6. What the arithmetic shows
    7. Implementing
    8. Monitoring and updating
    9. Information still required
    10. Assumptions, estimates and sources

    The order is the CFP Board's seven-step process, which is also the order a licensed adviser is held to. Sections 4 and 5 — your current course, and the alternatives — are the two most plans skip.

    In your words

    Where every number here comes from · Disclosures

    Everything here is worked out on your own device. There is no account, nothing is sent to us, and we never see what you enter. Your answers are kept in the web address of this page, so bookmarking it or sending it to your partner brings the figures back — which also means anyone with the link can see them.