Stoplight Analysis

See what a Red, Yellow, or Green Light means for your retirement

See Where You Stand for Retirement

The Stoplight Analysis is built for people nearing retirement or already retired who want clarity about income sustainability and long-term confidence.

In just a few questions, you’ll see whether your plan is positioned to last and what deserves attention next.

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Example output of a Stoplight Analysis

What You’ll Learn From Your Stoplight Analysis

After answering a few questions, you’ll receive a personalized snapshot designed to give clarity — not overwhelm.

Example output of a Stoplight Analysis

For people who want to know where they stand

Receive a personalized Red, Yellow, or Green Light that reflects your current retirement picture.

For those who care about income sustainability

See whether your savings and projected withdrawals appear positioned to support your lifestyle over time.

For individuals who want to strengthen their plan

Identify the specific parts of your investment and income strategy that deserve closer attention.

For those who prefer clarity over guesswork

Walk away with defined next steps and a clearer understanding of what a conversation with an advisor could help improve.

W.A. Smith Financial Group

Stoplight Analysis

Let’s Start With a Few Basics

Your Name and Retirement Status

First Name*

Last Name*

Are you currently retired?*

Yes

Your current age*

Are you married?*

YES

Spouse Age

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W.A. Smith Financial Group

Stoplight Analysis

Your Retirement Savings

About how much do you currently have saved for retirement?*

Include retirement-focused accounts such as 401(k)s, 403(b)s, IRAs, and rollover accounts. Also include other accounts such as brokerage accounts, trust accounts, bank accounts, CDs, annuities, HSAs, etc. Tip: If you have money in an account, add it to the total. You can exclude your home.

Optimized Present Value Slider

Click to edit or add a custom amount

When would you like to retire?*

Your best estimate is fine. Plans change, but this gives us a sense of your intended retirement timeline.

Retirement Month

Retirement Year

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W.A. Smith Financial Group

Stoplight Analysis

Monthly Withdrawal Amount

How much will you need to withdraw each month from savings?*

This is not your total monthly spending.

This is the amount you must take from your portfolio after Social Security or other income sources.

EXAMPLE

Monthly spending $8,500

Income from Social Security and pensions -$3,500

Amount needed from savings $5,000

Optimized Monthly Income Need Slider

Click to edit or add a custom amount

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W.A. Smith Financial Group

Stoplight Analysis

Confirm Your Monthly Withdrawal Amount

Is this the amount you expect to withdraw from your savings each month to cover your gap?

This is not your total monthly spending.

This is the amount you must take from your portfolio after Social Security or other income sources.

YOU ENTERED$0/month

Edit amount Yes, that's correct

W.A. Smith Financial Group

Stoplight Analysis

Annual Contributions

About how much do you plan to add to retirement savings each year?*

This is the estimated amount you expect to add each year between now and your retirement date. Include contributions to accounts like a 401(k), IRA, Roth IRA, HSA, or other savings you consistently set aside for retirement. Your best estimate is fine.

Optimized Annual Contribution Slider

Click to edit or add a custom amount

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W.A. Smith Financial Group

Stoplight Analysis

Your Retirement Assets Today

About how much do you currently have saved for retirement?*

Optimized Present Value (Retired) Slider

Click to edit or add a custom amount

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W.A. Smith Financial Group

Stoplight Analysis

Monthly Retirement Withdrawal Need

How much do you need to withdraw each month to support your lifestyle?*

This is not your total monthly spending.

This is the amount you must take from your portfolio after Social Security or other income sources.

EXAMPLE

Monthly living expenses $8,500

Minus Social Security and pension -$3,500

Monthly need from savings $5,000

Optimized Current Monthly Income Need Slider

Click to edit or add a custom amount

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W.A. Smith Financial Group

Stoplight Analysis

Confirm Your Monthly Withdrawal Amount

Is this the amount you are withdrawing from your savings each month to cover your gap?

This is not your total monthly spending.

This is the amount you must take from your portfolio after Social Security or other income sources.

YOU ENTERED$0/month

Edit amount Yes, that's correct

One More Thing...

You are a few clicks away from seeing your results.

Email Address*

Phone Number*

Zip Code*

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This tool is for informational purposes only and is not intended as individualized investment advice.

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