I built this because I kept watching people I care about walk into retirement without knowing what they didn't know.
If someone who loved you and happened to know everything about retirement sat down with you for 4 minutes — this is what they'd tell you. For free. No agenda. Just the truth.
Free. 4 minutes. No login. No selling. Ever.
✓ Takes 4 minutes
✓ Completely free
✓ No login required
✓ No selling. Ever.
✓ Built by a financial advisor
4 min
To get your full retirement reality check
5
Hidden risks your balance doesn't show you
$0
Cost to find out where you actually stand
What your balance is hiding
Three things I wish someone had told them sooner.
These aren't rare edge cases. They're the three most common retirement mistakes — and none of them show up on your account statement.
Affects 7 in 10 pre-retirees
Tax structure
The tax trap
Mark is 57. He has $1.2M in his traditional 401(k) and feels great. But every dollar he withdraws in retirement is taxed as ordinary income. His RMDs at 73 will force $45,000 out per year whether he wants it or not — pushing him into a higher bracket and spiking his Medicare premiums. He has a $264,000 problem hiding in plain sight. He has 10 years to fix it. He just doesn't know it yet.
⚠ Unplanned exposure: $264,000 or more
Most people never run the numbers
Social Security
The $190,000 decision
Susan is 61. She plans to claim Social Security at 62 because she figures it all evens out eventually. It doesn't. Claiming at 62 locks in a permanent 30% reduction from her full benefit — for life. The break-even age for waiting is 78 to 80. Susan's mother lived to 91. She is about to make an irreversible decision without running a single number.
⚠ Unplanned exposure: $190,000 or more
Missing from most retirement plans
Healthcare gap
The Medicare blindspot
Dave is 59 and wants to retire at 62. He has a solid plan. He has never once budgeted for health insurance before Medicare. That 3-year gap costs $800 to $1,500 per month per person on the marketplace. For Dave and his wife, that is up to $108,000 in premiums before they ever see a doctor. Nobody told him.
⚠ Unplanned exposure: $108,000 or more
What Rekond does
Not a calculator. An honest conversation.
Most retirement tools ask the wrong question. Rekond asks what a trusted person who knows this stuff would actually ask you.
Every other tool asks
Rekond asks
Are you saving enough?
What is your balance actually hiding?
Green bar. You're on track.
Here's your real score and what it means.
Talk to an advisor. (Who will sell you something.)
Here are 3 specific things to fix. In order.
20 questions. You quit halfway through.
8 questions. 4 minutes. Real answers.
1
The Reality Check
8 honest questions about your tax structure, Social Security plan, healthcare gap, spending number, and savings runway. You get a real score out of 100.
2
Your personalized risk cards
Red means fix it now. Yellow means watch it. Green means you're solid. Plain language. No jargon. No hedging.
3
Your money timeline
A real chart showing how long your savings actually last at your spending rate. Watching a bar hit zero at 79 lands differently than reading about it.
4
3 priority actions in order
Not 12 things to think about someday. Three specific actions, ranked by urgency, that you can actually do something about.
Why I built this
"I spent over a decade watching good people walk into retirement with a balance and a prayer. They had saved their whole lives. They deserved better than a green bar and a handshake. Nobody had ever sat down with them and told them the truth. So I built the tool that does."
— Craig, founder of Rekond and financial advisor
$200K+
Lifetime income difference between claiming Social Security at 62 versus 70. Most people make that call without running a single number.
$388K
Projected healthcare costs for a couple retiring at 65. One of the largest expenses in retirement — and most plans skip it entirely.
4 min
How long this takes. The average American spends more time planning a vacation than planning retirement. This is your 4 minutes.
The tool
Free. Always. Because you deserve the truth.
No credit card. No login. No advisor trying to sell you something on the other end. Just the honest picture you've been putting off getting.
✓
Full 8-question scored assessment
✓
Personalized score out of 100
✓
4 risk cards built around your answers
✓
Real money timeline chart
✓
3 priority actions in order of urgency
✓
No login. No credit card. No selling.
Takes 4 minutes. No calls unless you ask for one.
You've earned this
You worked your whole life to get here.
The least you deserve is an honest answer about where you actually stand. Four minutes. Free. No agenda.
No login. No selling. No advisor calls unless you ask for one.
Free. 4 minutes. No login.
Let's find out where you actually stand.
8 honest questions. Answer them as honestly as you can. What comes back is what someone who cares about you would tell you — not what you want to hear.
Question 1 of 8
Financially speaking, how do you honestly see yourself?
A
Pretty good with money. I save consistently and feel in control.
B
Doing okay but could be better. Heading in the right direction.
C
Honestly not sure I'm on track. I avoid thinking about it too hard.
Question 2 of 8
What year are you planning to retire?
A
Before 2030
B
2030 to 2035
C
2035 to 2040
D
2040 or later
E
Not sure yet
Question 3 of 8
What does your household spend each month right now?
Your best estimate is fine. We just need a ballpark.
A
Under $4,000 per month
B
$4,000 to $7,000 per month
C
$7,000 to $10,000 per month
D
Over $10,000 per month
E
Honestly I'm not sure
Question 4 of 8
How much have you saved for retirement total?
Include all 401(k), IRA, and investment accounts. Not your home.
A
Under $250,000
B
$250,000 to $500,000
C
$500,000 to $1,000,000
D
$1,000,000 to $2,000,000
E
Over $2,000,000
Question 5 of 8
Where is most of your retirement savings sitting?
A
Mostly pre-tax. Traditional 401(k) or IRA. I haven't paid taxes on it yet.
B
A mix of pre-tax and Roth.
C
Mostly Roth. I've already paid the taxes.
D
Honestly I'm not sure.
Question 6 of 8
When do you plan to retire relative to age 65?
Medicare starts at 65. Retiring earlier means you're on your own for health insurance.
A
At 65 or later. Medicare covers me from day one.
B
1 to 3 years before 65. Short gap.
C
4 or more years before 65. Significant gap.
D
Haven't figured this out yet.
Question 7 of 8
Have you figured out your Social Security strategy yet?
A
Yes. I know my break-even age and when I plan to claim.
B
Somewhat. I know the basics but haven't run the numbers.
C
No. I'll figure it out when I get closer.
D
I plan to claim at 62 as soon as I can.
Question 8 of 8
Do you actually know what you spend each month?
Not a guess. A real number you could write down right now.
A
Yes. I track it and know it cold.
B
Roughly. Within $500 per month probably.
C
I'm honestly guessing.
D
I've never really added it all up.
One last thing
Where should I send your results?
I'll show you exactly what I found — your score, what it means, and what I'd tell you to do about it if you were family. No spam. No sales pitch.
No login required. Unsubscribe anytime. I respect your inbox.