How our process works

If you want one of our individualized retirement plans, the procedure works like this:

1. Confirm which retirement plan you want. Then pay the fee, using our secure on-line system. Alternatively, you can send payment to our office using a check or money order.

2. We email you basic questions: your age, the age you would like to retire, your goals in retirement. You can answer by email, or for privacy you can use our secure form. If you prefer, you can answer the questions by sending us an ordinary letter.

3. When we have those answers, we next email you a list of things we need to know about your present income and the income sources that you'll have when you retire. We will need certain confidential information, but we don't ask for anything that's not essential. For example, we don't want to know your bank account numbers and Social Security number.

4. Finally, we email questions about your current expenses.

5. As we receive information from you, we begin to analyze it. We usually ask some follow-up questions as we build up a picture of your retirement (everyone is different and the details are critical). In our analysis, we may make suggestions about how you could save money, and we may also pass on other valuable information that we've learned — if it suits your situation. (We don't get commissions from anyone. Our only cost to you is the fixed fee we charge. This puts us entirely on your side.)

6. When we have all the information, we key your data into our Retirement Forecaster program. This is retirement software we developed. It is nothing like an ordinary retirement "calculator".

7. We write a plain English summary of what our analysis shows, and list your options. We also attach output data from the computer program itself, so you can review that information as well, or later use it as a reference.

8. The report is sent to you by courier express and it requires your signature on delivery. This protects your privacy.

Our calculations are guaranteed to be accurate based on the information you supply, and the assumptions and projections that we need to use in forecasting. (Which we make plain to you) Because our services are informational based we cannot offer refunds, however, we strive to insure you satisfaction and will always work towards your best interest.

All of your personal and financial information is safe with us and you won't ever receive unsolicited emails from Retirement-4-U. Click here to read more of our information privacy processes.

Next step

If you already know what assessment you want, here's how to order it.