Clarity Road Financial
Your Numbers. Your Roadmap. Your Clarity.
🔒 Secure & Private
Your privacy is protected. We never sell, share, or use your information for marketing. Your answers are used solely to build your personalized Financial Journey Roadmap. We do not store account numbers, Social Security numbers, or passwords — we never ask for them.
Section 1 of 7
Before You Begin

Let's Build Your Roadmap.

Every retirement picture is unique.
The more you share, the more your roadmap delivers
the clarity your future deserves.

Plan to complete this in one sitting — your entries aren't saved between sessions. Most people finish in 10–15 minutes, and the clarity you'll gain on the other side is worth every minute of focused time.
Have these important sets of information handy before you start
📋
Social Security statement Your estimated monthly benefit. Get it free at ssa.gov in minutes.
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Account balances Traditional & Roth IRAs (for example: 401(a), 401(k), 403(b), SEP, Simple, TSA, etc) and taxable brokerage accounts. Recent statements work fine.
📊
Monthly household expenses A rough estimate of what you spend each month today.
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Income sources W-2, 1099, S-Corp W-2 and K-1, or self-employment. Approximate is fine.
🏛️
Pension details If you have one: monthly benefit, start age, and COLA. Check your HR documents.
💳
Outstanding debts Balances and interest rates for any significant non-mortgage debt.
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Planned major purchases Optional — if a home, vehicle, renovation, or similar is on the horizon: estimated cost, timing, and financing terms.

Takes about 10–15 minutes to complete.

Section 1 of 7

About You

This is where your roadmap begins. We'll capture who you are, where you are in your financial journey, when you want to reach your goal, and the vision of what that future actually looks like for you. The more you share here, the more your Clarity Roadmap will reflect the true shape of your financial future.

Helps us personalize your report. First name only — we keep it simple.
Please select your marital status.
Planning together? We will acknowledge both of you throughout the report.
No financial jargon needed. Just describe the life you want — where you live, what you do, what matters most to you. This shapes the tone and focus of your entire Clarity Roadmap.
Please enter a valid birth year.
Enter your best estimate. You can always adjust — this is a planning target, not a commitment. Range: 45–75.
Please enter a retirement age between 45 and 75.
💑 Partner Details
We recommend planning conservatively — to age 90 or beyond. Running out of money is a bigger risk than having too much.
Please select a planning horizon.
Please select your filing status.
Please select your employment type.
For S-Corp owners: enter your W-2 wages and gross K-1 separately in the Income section. We apply the 20% QBI deduction automatically. Do not enter distributions separately — they are already captured in your K-1.
For sole proprietors: your SEP-IRA contribution limit is up to 20% of net self-employment income. We will calculate this for you in the projections.
Please select your partner's employment type.
Section 2 of 7

Income & Social Security

Your income today — and how it's expected to grow or change on the path to your future — is one of the most important inputs in your roadmap. We'll also capture your Social Security picture here, including when you plan to claim and what your estimated benefit looks like. If you're not sure on any of it, approximate is perfectly fine.

Add each income source separately. For S-Corp owners, W-2 wages and K-1 are entered as one source.
Please add at least one income source.
For example: career change, stopping a business, a spouse stopping work, or receiving an inheritance. You can add up to 4 income change events.
You can add up to 4 income change events.
Please indicate whether your income will change.
💑 Partner's Income
Please add at least one income source for your partner.
For example: your partner retiring, reducing hours, or changing careers.
Please indicate whether your partner's income will change.
Include government, military, or private employer pensions.
Please indicate whether you have or expect a pension.
Important — if you claim early while still working: If you claim Social Security before your Full Retirement Age (67) and are still earning income, SSA withholds $1 for every $2 you earn above $24,480/yr. Those withheld payments are not lost — at your FRA, SSA permanently increases your monthly benefit to add the credit back.
Claiming at 62 permanently reduces your benefit by up to 30%. Waiting until 70 increases it by up to 24% above your FRA benefit.
Please select your Social Security claiming preference.
From your annual SS statement at ssa.gov — the amount shown at your Full Retirement Age (67). If unavailable, leave blank and we will estimate based on your income.
$ /mo at FRA
Please enter your estimated Social Security monthly benefit.
💑 Partner's Social Security
For married couples, Social Security provides two separate income streams. Coordinating when each of you claims can significantly increase your combined lifetime benefit. The surviving spouse keeps the higher of the two benefits for life — making the higher earner's claiming age one of the most important decisions you make together.
Please select your partner's Social Security claiming preference.
$ /mo at FRA
Please enter your partner's estimated Social Security benefit.
If your partner's own benefit is less than 50% of your FRA benefit, they automatically receive the spousal benefit (the higher amount). We account for this in your report.
Section 3 of 7

Savings & Accounts

What you've already saved is the foundation of everything your financial future can become. Enter each of your investment accounts here — Traditional & Roth IRAs (for example: 401(a), 401(k), 403(b), SEP, Simple, TSA, etc) and taxable brokerage accounts. Don't worry about being exact — a recent statement balance is all we need. We'll also capture your cash savings here. Don't have investment accounts yet? That's okay too — your roadmap will show you what's possible and what starting today could mean for your future.

For S-Corp owners: enter your SEP-IRA or Solo 401(k) here. For married couples: use the Account Owner field — this matters for RMD planning.
Please indicate whether you have pre-tax accounts.
For married couples: each person's Roth situation is entered separately.
👤 You
👤 Partner / Spouse
Planned Traditional IRA / 401(k) → Roth Conversion
$

Partner contribution amount will be entered in the Contributions section.

$

Partner contribution amount will be entered in the Contributions section.

Please indicate your Roth IRA account status.
Individual brokerage, joint brokerage, trust accounts — not retirement accounts.
Please indicate whether you have brokerage accounts.
Checking, savings, money market. Emergency fund and operating cash reserves.
or exact:
$
Section 4 of 7

Investment & Cash Savings Contributions

How much are you saving each year (including employer matching where applicable)? What you contribute today is what compounds into your future. This section covers contributions to your retirement and investment accounts — whether you're saving monthly, annually, or making one-time contributions. Required fields are marked; everything else is optional. Not contributing yet? That's perfectly fine — if you're just getting started, use this section to begin forecasting what your future contributions could look like and the impact they'll have over time.

Enter what you are actually contributing today — not the maximum allowed. Leave blank if not currently contributing to that account type.
👤 Your investment contributions
No investment accounts added yet — that's fine. Your report will project your financial future based on your current savings with no new contributions assumed. If you have accounts to add, go back to the Savings section.
💑 Partner's contributions
Partner's accounts from Savings will appear here.
Section 5 of 7

Expenses & Debt

Understanding what you spend today — and what you envision spending in the future — is essential to building a roadmap that actually holds up. We'll capture your current monthly expenses, housing situation, and any significant debt. If your spending is expected to change meaningfully along the way, you can tell us that here too. Where debt exists, your roadmap won't just acknowledge it — it will reflect a prioritized approach to addressing it based on your full financial picture.

Include everything — housing, food, utilities, subscriptions, entertainment, travel. Do not include income taxes. Estimate your typical month.
or exact:
$
/mo
Please select a range or enter your exact monthly expenses.
Examples: downsizing your home, paying off your mortgage, moving to a lower cost of living area, or a major lifestyle shift.
Please indicate whether you expect your expenses to change, and complete all change event fields.
$
We model your mortgage P&I payment dropping off at payoff. Property taxes and insurance continue — factor those into your expense estimate above.
Please indicate whether you own or rent.
Please indicate your debt situation.
Optional
Discretionary Retirement Spending
Travel, hobbies, gifts, giving — ongoing lifestyle spending beyond your regular monthly expenses. Helps us show where this money comes from in your retirement arc table. For a specific big-ticket item like a home, vehicle, or major renovation, use the Planned Major Purchases section instead — that section models the exact year and financing.
Examples: international travel, hobbies, gifts to family, charitable giving.
Section

Planned Major Purchases

Big-ticket purchases on the horizon — a home, a vehicle, a renovation, a wedding — change your financial picture in ways worth planning for. If you have one or more of these coming, tell us about it here and your roadmap will reflect it. This section is entirely optional — skip it if nothing significant is planned.

Up to 4 planned purchases. For financed purchases, we calculate the monthly payment automatically from the loan amount, rate, and term — you don't need to work that out yourself.
Section 6 of 7

Goals & Approach

Two things shape how your roadmap is framed more than almost anything else — what concerns you most about your financial future, and how you think about investment risk. There are no right or wrong answers here. Your responses help us focus your Clarity Roadmap on what matters most to you and shape a strategy that reflects where you truly are today — and the financial future that's well within your reach.

Please select your primary concern.
No wrong answer — this shapes the return assumptions behind your projections.
Please select your investment approach.
This is how we deliver your Clarity Roadmap — and your account key for the 7-Day Data Refresh. We never share your email.
Section 7 of 7

Review & Submit

You're almost there. Take a few moments to review everything you have entered — use the section names above to jump back and make any corrections. When you are satisfied, proceed to and click the Submit & Pay button below and we'll get to work building your personalized Clarity Road Roadmap. You'll have it in your inbox within minutes.

📅 7-Day Data Refresh

Your information is time-stamped today. If anything changes — income, balances, a new account — you can refresh your inputs within 7 days and we will rebuild your roadmap at no additional charge. Just reply to your delivery email.

🔒 Secure checkout powered by Stripe. Your roadmap will be delivered to your email within minutes of payment.
Section 3 of 8

Pension

Tell us about your pension benefit — we'll factor it into your income projections and survivor planning. If you have more than one pension, you can add multiple entries below.

$
Please complete all required pension fields — monthly benefit and start age are required.