The Retirement ScoreCard
Five questions across the three pillars of retirement. About two minutes. No account numbers or sensitive data.
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Your Foundation
Do you have a clear picture of how much monthly income you will need in retirement?
Your Foundation
Will you have guaranteed income sources (Social Security, pension, annuity) that cover your basic living expenses?
Your Walls
Are you taking steps to reduce the taxes you will pay on your retirement savings?
Your Walls
Do you have a clear plan for which accounts you will pull from first in retirement (and why)?
Your Roof
If the market dropped 25% tomorrow, how would you handle it?
What concerns you most about retirement right now? (Select all that apply)
Calculating your ScoreCard...
Foundation Walls Roof
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Your Retirement ScoreCard
This score reflects general patterns based on your answers. It is not a financial assessment. Your actual situation involves health, family, tax details, and goals that only a personal conversation can account for.
Foundation
Income, safety, and stability
Walls
Taxes, coordination, and protection
Roof
Growth, risk, and market readiness
These pillar scores highlight general patterns based on your answers. They don't account for your specific health situation, family dynamics, tax bracket, risk tolerance, or retirement timeline. Two people with the same score could need very different strategies.
Three Paths From Here
Your ScoreCard points at patterns. It isn't a plan. From here, you've got three real options. None of them is automatically right. A lot of people pick one without realizing the other two exist.
1. Do nothing.
Some people will be fine. The market cooperates, life doesn't throw anything sideways, tax law leaves things alone. Plans that drift sometimes drift in the right direction. "Fine" is a narrow lane, though. You don't find out whether you were in it until you're already through.
2. Figure it out yourself.
Plenty of people manage their own plan well. Tax law. Social Security rules. Medicare IRMAA thresholds. Withdrawal coordination. Roth conversion windows. If you enjoy the research and have time to stay current as things change, DIY can work. If it works for you, it works. We respect that.
3. Walk through it with a fiduciary advisor.
A 15-minute call to walk through what your ScoreCard points at. If the conversation feels useful, it keeps going. If it doesn't, no harm done. The point of this path is a second set of eyes checking the math, catching what you stopped being able to see because it's been in front of you for years.
There's no default right answer. Picking one without naming the other two is what gets people in trouble.
If something on this page made you want to talk it through, call 502-253-9366.
15 minutes. Worst case, you leave with a clearer read on where you stand.
Mercurio Wealth Advisors · Louisville, KY
This probably isn't a fit if you want someone to hand you a product, make the decision, and move on. Or if you already have an advisor coordinating income, taxes, investments, healthcare, and legacy as one connected picture.
It probably is a fit if the ScoreCard above made you want someone to look at the whole picture with you. Mercurio Wealth Advisors is an independent, SEC-registered investment adviser based in Louisville, serving families in this area since 1990. Our Retirement 360 approach covers income, taxes, investments, healthcare, and legacy as one connected plan. Each advisor on our team acts as a fiduciary to the clients they serve.