Free Tool
The Retirement Assessment
A short, guided assessment that helps you see where you stand — and what may deserve a closer look before you retire.
What you'll get
Where you stand today, in plain language
Which areas are strong and which need attention
Suggested next steps — no obligation
Takes about 5 minutes
Your answers are used to generate your assessment. The tool is educational and is not a substitute for personal financial advice.
Retirement Readiness Score
A quick snapshot of how prepared you are today based on your savings, timeline, and goals.
Income Gap Analysis
See whether your projected retirement income covers your expected expenses — and by how much.
Personalized Next Steps
Get a short list of specific actions that could improve your retirement outlook, based on your answers.
Social Security Timing Insights
Understand how the age you claim Social Security could affect your lifetime income.
Tax Strategy Snapshot
Learn whether your current savings mix — pre-tax, Roth, and taxable — is set up to minimize taxes in retirement.
Your Retirement Timeline
Clarify how many working years you have left and whether your savings rate is pacing well for your target date.
FAQ
Common questions about retirement
The questions we hear most often from people trying to figure out if their plan really works.
How do I know if I will have enough money to retire?
Compare your expected annual spending to your projected income — Social Security, any pension, and a sustainable withdrawal (often around 4%) from your savings. When income covers spending with a little room to spare, you're in a strong spot. The free Retirement Assessment walks you through it in about five minutes.
How much money do most people retire with?
Recent Federal Reserve data shows the average retirement savings for Americans aged 55–64 is around $538,000, with a median near $185,000. The encouraging part: your savings is only one piece of the picture — Social Security, home equity, and a thoughtful plan can stretch those dollars much further than the headline number suggests.
What is the most important thing to get right in retirement planning?
Building a plan that accounts for the full 25–30 years of retirement, including taxes, healthcare, and inflation. The good news is that once you have that bigger picture, most decisions get simpler — you just check each new choice against the plan rather than guessing.
Can I retire at 62 with $500,000?
Yes — many people do. At 62, $500,000 can generate roughly $1,500–$1,700/month using a 4% withdrawal, alongside early Social Security of around $1,400/month. With a reasonable lifestyle and a healthcare plan in place for the years before Medicare, it's a very workable starting point.
What is the difference between a retirement assessment and a retirement calculator?
The assessment gives you an at-a-glance readiness score across savings, income, and timing — so you know where you stand. The calculator lets you test specific scenarios and see what's possible. Most people enjoy starting with the assessment, then using the calculator to explore ideas.
Is Will We Have Enough free to use?
Yes — both the Retirement Assessment and the Retirement Calculator are completely free, with no obligation. The site exists to help you see your situation more clearly, whether or not we ever speak.
Ready to begin?
Open the assessment and see where you stand in about five minutes.
Questions Before You Start?
Here are answers to the questions we hear most often — so you can feel comfortable before you begin.
How long does the assessment take?
Most people complete it in about 10 minutes. There are no trick questions — just clear, straightforward prompts about your savings, income, and retirement goals.What information will I need?
A rough sense of your current savings balance, monthly income, expected retirement age, and what you'd like your retirement to look like. You don't need to have exact numbers — estimates are fine.Is my information private?
Yes. The assessment is confidential. Your answers are used only to generate your results and, if you choose, to support a follow-up conversation with Scott Farrow.What happens after I finish?
You'll see a personalized summary of your results. From there, you can review your findings on your own or schedule a no-obligation conversation with Scott to talk through what they mean for you.Is this a sales pitch?
No. The assessment is designed to be genuinely useful whether or not you ever work with us. You'll get real information about your retirement readiness — no strings attached.Do I need to be close to retirement to take this?
Not at all. The assessment is useful whether you're 10 years away or 30. The earlier you understand where you stand, the more options you have.
Ready to See Where You Stand?
The Retirement Assessment takes about 10 minutes and gives you a honest, personalized look at your retirement readiness — at no cost and no obligation.
This website is for educational purposes only and should not be considered financial, tax, or investment advice.