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01 / RETIREMENT PLANNING

Know what makes retirement work—before you pick the date.

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

LSAMPLE DECISIONILLUSTRATIVE

Are we saving enough to retire at 60 without cutting our lifestyle?

THE SHORT ANSWER

You are close. Saving $600 more each month puts the plan on track.

At the current pace, the plan is short by about $110K. A small monthly increase closes most of the gap without changing the retirement date.
SAVING NOW$2.4K/moSAVING NEEDED$3K/moRETIREMENT AGE60
∑  Every input, assumption, and calculation is inspectable.

WHAT MOVES THE ANSWER

Change the assumption. See the consequence.

01

Retirement age

See how 58, 60, or 62 changes the margin.

02

Spending

Test the lifestyle the portfolio actually needs to fund.

03

Market sequence

Stress the plan against real historical downturns.

WHAT LINC CHECKS FIRST

The numbers that can change the answer.

Connected accountsIncome + spendingSocial SecurityRates + inflationHistorical returns
EXPLORE ANOTHER DECISIONHOME BUYING→GROWING A FAMILY→PORTFOLIO ANALYSIS→FINANCIAL STRESS TESTING→

TRY IT WITH YOUR OWN NUMBERS

Bring your retirement planning question to Linc.