Risk & Resilience

What if the plan hits a rough patch?

Your plan assumes clear sailing — steady returns, steady spending. Retirements rarely go that smoothly. There are three ways to pressure-test it below: run the odds across hundreds of random market paths, replay every retirement in real market history since 1928, or dial in a specific shock — a crash, an illness, a call for help from family — and see the dollar impact. Open any section to begin.