05 / FINANCIAL STRESS TESTING

Stress-test the plan before real life does.

Ask the question in your own words. Linc checks your accounts, goals, and the assumptions that can change the answer.

LSAMPLE DECISIONILLUSTRATIVE

What if stocks fall 25% and inflation stays high?

THE SHORT ANSWER

The plan still works—but the margin gets much thinner.

The biggest risk is being forced to sell during the downturn. A larger cash buffer and lower equity concentration materially improve resilience.

STRESS DRAWDOWN−25%CASH BUFFER14 moPLAN RESULTStill viable

∑ Every input, assumption, and calculation is inspectable.

WHAT MOVES THE ANSWER

Connect yields and borrowing costs to your actual balance sheet.

See how spending power changes the retirement margin.

Measure what a downturn means for your holdings and timing.

WHAT LINC CHECKS FIRST

Federal Reserve dataRates + yieldsMarket pricesFinancial newsYour holdings

TRY IT WITH YOUR OWN NUMBERS