Your Financial Assessment

Use ThirdAge's financial assessment to analyze your entire financial picture.

More Than Just a Calculator
Our assessment takes into account your approach to savings and investing -- including asset allocation. It determines your needs based on your own personal goals and expectations. Ultimately, it provides a three-page prescription from the experts at Merrill Lynch to help you improve your financial strategies and increase your family's financial security.

The assessment takes about 15 minutes to complete and is completely secure. None of the information gathered for your assessment will be stored or used for any purpose other than this assessment. When complete, your results will focus on three crucial areas: retirement, estate planning and college planning.

Retirement Planning
Will your retirement income meet your needs? Will you be forced to liquidate your assets to support your lifestyle?

We'll help you calculate your projected income and expenses in retirement, and determine whether or not your savings will generate enough income to last throughout your retirement years.

Your results will include suggestions for increasing your savings through asset allocation, information on health and life insurance, and ideas for modifying your retirement goals.

Estate Planning
True or false? Only millionaires need to worry about estate planning. The answer is false, of course, but every year estates large and small shrink unnecessarily due to a lack of sound planning.

This part of the assessment focuses on reducing estate taxes, establishing efficient means to transfer assets, and trusts. How much will your family have to pay in estate tax? The answer to that question rests largely with you.

College Planning
Each year college costs increase at a startling rate of 5 percent. To keep up with escalating costs, most families need to plan well in advance and be resourceful about funding. To complete this section, you will be asked for your child's first name and age so that we can estimate and graph his or her college costs. You'll also be provided with a list of additional and alternative funding methods.