Most retirement planning starts with a date.

“When can I retire?”

Then it works backward using assumptions about investment returns, withdrawal rates, inflation, taxes, healthcare and how long you might live.

We start somewhere else.

How much does the life you want require each month?

Then:

How much dependable income do you already have?

The difference is your Retirement Income Gap.

And here's the part that changes everything:

Your Gap isn't just a dollar amount.
It's also TIME.

If today's math says work won't become optional until age 67, 67 isn't necessarily your retirement date.

It's simply where your current math takes you.

Change the math. Move the date.