A FOUR-MINUTE CHECK-UP
Financial Needs Assessment
Your risk balance & retirement readiness check-up
What this is
A short set of plain-language questions about how you balance risk with your retirement savings — and how ready the rest of your financial picture is. There are no right or wrong answers, and nothing here is a test. The goal is simply to see where you stand today, so any conversation about next steps starts from a clear picture.
- Your risk balance — how much market ups and downs your plan, and your peace of mind, can take.
- The foundation — documents, emergency savings, spending, and beneficiaries.
- Milestones & income — retirement timing, income needs, Social Security, and required distributions.
- Protection — how your plan holds up against market drops, care costs, and a long retirement.
- Your legacy — estate documents, beneficiaries, and sharing your wishes.
Your answers stay in this browser session only — they are not saved, stored, or sent anywhere.
A Zaghorn tool — For Agents. By Agents.
This assessment is for educational purposes only. It is not financial, tax, or legal advice, and it does not recommend any specific product or strategy. Results are general in nature — review your situation with a qualified financial professional.
A few questions still need an answer — they're highlighted above.
Your results
Here is your snapshot — your risk balance, your readiness in four areas, and the topics most worth a closer look.
Your Risk Balance
Overall Readiness
Your overall readiness across the foundation, income, protection, and legacy areas below — an average of the four.
Readiness by Area
Your Top Conversation Starters
Based on your answers, these are the areas with the most room to strengthen — a good agenda for your next conversation with a financial professional.
Bring these results to a conversation with your financial professional.
If the print dialog doesn't open, you can print or save this page from your browser's menu — the printed copy shows just your results.
This assessment is for educational purposes only. It is not financial, tax, or legal advice, and it does not recommend any specific product or strategy. Results are general in nature — review your situation with a qualified financial professional.