Will Your PortfolioLast Through Retirement?
Most people plan for retirement assuming things go smoothly. This tool stress tests your portfolio against the scenarios that actually derail retirement plans: bad early returns, inflation, and living longer than expected.
Based in Westlake Village, CA · Ventura County · Serving clients across all 50 states
The Number That Actually Matters
It is not how much you have saved. It is whether what you have saved will last as long as you need it to. These three numbers tell the real story.
What You Enter
Four inputs. That is all it takes to run a meaningful stress test on your retirement plan.
Your total investable assets today, not including home equity or Social Security.
How much you plan to pull from your portfolio each year in retirement.
Your assumed average portfolio growth rate. The tool tests what happens when reality falls short.
How many years you need your portfolio to last. Most plans should model through age 90 or beyond.
The Three Scenarios It Tests
The tool does not just show you one number. It runs your plan through three distinct scenarios so you can see the range of outcomes.
Your portfolio grows at the rate you entered. This is the optimistic case most people plan around.
What happens if markets underperform by 2% per year over your retirement. More common than most people expect.
The most dangerous scenario: a significant market decline in the first few years of retirement, when withdrawals are highest relative to portfolio size.
Why sequence of returns matters: Two retirees with identical portfolios and identical average returns can end up with dramatically different outcomes depending on when the bad years happen. If the losses come early, you are selling more shares at lower prices to fund withdrawals, and those shares never recover for you. This tool makes that risk visible.
What to Do With the Results
The stress test is a starting point, not a verdict. Here is how to use what you find.
- If all three scenarios show your portfolio lasting: You are in a strong position. The next question is whether your plan is optimized for taxes and inflation, not just survival.
- If the stress case shows a shortfall: You have options. Adjusting your withdrawal rate by even half a percent can meaningfully extend your portfolio's life.
- If the sequence risk scenario shows a gap: This is worth taking seriously. A buffer strategy or flexible withdrawal approach can significantly reduce this risk.
Run the Stress Test
See how your retirement plan holds up across three real-world scenarios. Free, no account required.
Run the Stress Test →No cost. No account required. No obligation.
Want to talk through what your results mean for your actual plan?
Book a Free ConsultationThis tool is for informational and educational purposes only. It does not constitute financial, tax, or legal advice. Projections are hypothetical and based on the inputs you provide. Past performance is not indicative of future results. Results should not be used as the sole basis for any financial decision. Brooks Wealth Management LLC is a registered investment adviser. CRD #332237.