Are You On Track to Retire? Get Your Retirement Readiness Score
Most people find out they’re behind too late. Frank Finly’s free readiness score shows — in under 3 minutes — whether you can protect the life you’ve built, or if there’s a gap you need to close.
Free. 13 questions. 3 minutes. Email only to unlock the dashboard.
What is a retirement readiness score?
A retirement readiness score is a 1–10 rating of how prepared you are to retire on your terms, based on your savings, income, protection, and estate planning. Frank Finly calculates yours from 13 questions in under 3 minutes, shows the dollar gap between where you are and where you need to be, and gives you the top 3 actions to close it.
You’re not alone. It’s not your fault.
Three things every pre-retiree quietly worries about. If any of this sounds familiar, keep reading.
““Am I behind?””
You’ve saved. You don’t know if it’s enough. Every article gives a different number. Your 401(k) statement shows a balance but no verdict.
““Where do I even start?””
401(k), IRA, Roth, Social Security timing, RMDs, taxes in retirement. You know these matter. You don’t know which one matters most for you, right now.
““I don’t want a sales pitch.””
Every calculator ends the same way: “Talk to an advisor.” You want a real diagnostic first. Then you’ll decide if you need help.
“75% of Americans 45+ have no written retirement plan.”
Not because they don’t care — because nothing has turned the abstract into a number.
“Average readiness score: 4.9/10.”
Half the work to get to a confident 7+. You’ll see exactly which 2–3 gaps move the needle.
One number. Five dimensions. Zero guesswork.
What your score tells you — and what you can do with it.
Personalized 1–10 score.
Discover where you stand with a clear, easy-to-understand retirement readiness score.
Action plan ranked by impact.
Get specific steps to improve your score and boost your retirement confidence.
Track your progress.
Watch your score improve as you complete recommended actions. Come back monthly, quarterly, yearly.
Expert insights, not a sales pitch.
Get clarity on your financial future with trusted, independent guidance.
““I think I’m behind but I don’t know.””
“I’m a 6.8/10. Here’s exactly why.”
What the dashboard shows
- Three-metric hero: Overall Score (1–10) + $-gap + Projected Retirement Age
- Category breakdown: Retirement Savings · Financial Resilience · Investments · Protection · Estate Planning
- Top 3 actions, each with impact and how-to guidance
- “How you compare”: percentile vs. peers by age group
- “What if” simulator: toggle actions, watch the score move
Three steps. Three minutes.
Answer 13 quick questions.
Share some details about your finances — age, salary, savings, insurance. Your information is encrypted.
01Get your score instantly.
A single number (1–10) plus a category-by-category breakdown. Email to unlock the full dashboard.
02See your top 3 moves.
Personalized actions ranked by impact. Follow them yourself, or connect with an advisor who’s already seen your numbers.
03We do the math. You get the number. The decisions stay yours.
Here is what you’ll see.
Sample based on a 58-year-old earning $120K, contributing 5%, with $605K saved. Your numbers produce your own dashboard.
What changes after 3 minutes.
The shift from worrying to knowing.
What changes after 3 minutes.
The shift from worrying to knowing.
“I think I’m behind but I don’t know.”
“I’m a 6.8/10. Here’s exactly why.”
“Everyone’s telling me different things.”
“These are the 3 things that matter for me.”
“I’m scared to talk without knowing if I need one.”
“I have the numbers. I decide what happens next.”
Generic calculators give a dollar figure with no context.
Five dimensions scored — you see where AND why.
A number you can’t do anything with.
Ranked actions you can do today.
The score is free
You never owe Frank Finly anything. The score, the dashboard, and the action plan — yours to keep.
01Advisors pay for introductions
If you want a person to walk through it, advisors in our network pay Frank Finly for the introduction — only when you ask. Advisors may charge their own fees for their services.
02No phone required
Email is all that’s needed to see your score and dashboard. A phone number is only collected if you opt in to be matched with an advisor.
03What’s the catch? None.
The dashboard is free for you. Advisors in our network pay Frank Finly for introductions — only when you ask for one. You never owe us anything.
Built by professionals. Not by marketers.
15+ years of retirement planning expertise. Official IRS tables, Social Security Administration formulas, current tax brackets. Unlike generic calculators, we score savings, income, tax, insurance, and estate together — five dimensions in one number.
IRS-accurate calculations.
Official IRS tables, Social Security Administration formulas, current tax brackets. No guesswork.
Users who act gain 2+ points in 12 months.
Small changes compound. The score lets you watch that progress.
Your data is yours.
It stays with Frank Finly to run your dashboard. Nothing goes to any firm unless you ask to talk to an advisor. Opt out at any time on our Do Not Sell or Share page.
Sample readiness score
Illustrative example — your numbers produce your own score
Your 2026 Retirement Checklist →Retirement planning explained. Not complicated.
Deep-dive articles from our retirement planning team.
Your 2026 Retirement Checklist
→The benchmarks that actually matter — by age, income, and savings.
Can You Retire on $500K?
→A realistic look at what $500K can support — and what it can’t.
When to Start Social Security
→The timing decision that could mean $100,000+ difference.
Traditional vs Roth IRA
→Tax-deferred vs tax-free growth — what makes sense for your situation.
Questions? Answers.
Find out if you can protect the life you’ve built.
13 questions. 3 minutes. Your free retirement readiness score from Frank Finly.
Check Your Retirement Score→