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Phase 1 · The Opening Hook

Quick Trajectory

4 inputs · 30 seconds · Shows where the client lands at retirement on their current path — and where they could land with help.

📥 Quick Snapshot

Where they are today
Household pre-tax income
401k + IRA + brokerage today
Total going to retirement / mo
Target retirement age
After-tax average — toggle to historical S&P below ↓
"With Our Plan" — Target Savings Rate 15% of income

📊 At Retirement — Side by Side

📉
Current Trajectory
—
Nest egg at age 65
—per month using the 4% rule
📈
With Our Plan
—
Saving — /mo (15% of income)
—per month using the 4% rule
💰 The Gap We Close For You
—
— /mo more for the rest of their life

Year-by-Year Wealth Growth

How to use this in the meeting: Get the 4 numbers in 30 seconds. Show the two boxes. Land on the gap number — that's the value of the relationship in dollars. Then move into the Fact Finder (Phase 2) and Wealth Building Potential calculator (Phase 4) to prove out exactly how we close it. The numbers shown assume the 4% safe withdrawal rule, BOY compounding, and that the same return rate applies before AND after retirement.
📒 Build the Budget (Phase 2) 📈 Deep Dive: Wealth Building Potential 🎯 Detailed Retirement Gap
Math: FV = currentSavings × (1+r)^N + monthlyContribution × 12 × [((1+r)^N − 1) / r] where N = retirementAge − currentAge. Retirement income = FV × 4% ÷ 12.