Free 60-second assessment
The climb up is the easy part.
You've spent decades building your retirement — saving, investing, growing it. The real risk comes next: a market crash at the wrong time, a tax bill you never planned for, and savings that has to last 30 years. See how exposed your plan is in 60 seconds.
8 questions · No documents needed · Instant results
Three risks that hit after you retire
Your 401(k) was built to grow. It was never built to protect what you've grown. These are the three risks most plans ignore.
The Market Trapdoor
A 30% drop the year you retire can do damage you never recover from. Wall Street calls it sequence-of-returns risk. Retirees call it going back to work at 70.
The Tax Time Bomb
Your 401(k) balance isn't all yours — a share of it belongs to the IRS, at whatever rates exist when you withdraw. Most people have never calculated their retirement tax bill.
Outliving Your Money
The old “4% rule” was built for a different era of interest rates and lifespans. Running out of money at 84 is not a plan.
How it works
Take the 60-second assessment
Eight quick questions about your timeline, savings, and exposure. No documents, no jargon.
Get your Retirement Risk Score
See exactly where your plan is exposed across retirement — market risk, tax risk, and longevity risk.
Review it with our team
A free, no-pressure call to walk through your score with a Base Camp retirement specialist and the strategies that can put a floor under your retirement.
There's a reason banks own this asset class.
Major banks hold billions in cash-accumulation strategies with contractually guaranteed floors — assets that grow steadily, stay liquid, and never ride a crash to the bottom. They just don't advertise them to you.
Paired with income strategies that can guarantee a paycheck for life, these tools are how families take the guesswork out of retirement income. Your score shows whether they fit your situation.
Strategy one
Growth with a guaranteed floor
Build wealth that compounds year after year, with a contractual minimum — and access to your money along the way, without age penalties.
Strategy two
Income you can't outlive
Convert a portion of your savings into a guaranteed lifetime paycheck — so the market can do whatever it wants, and your bills still get paid.
You don't have to choose
The strongest plans use both.
Retirement strategy gets sold as a fight — Wall Street versus insurance, market accounts versus “be your own bank.” That's noise. The plans that hold up in every market don't pick a side. They keep the growth you've built and add a floor underneath it, so the years you can't afford a loss are covered. Put the two side by side and the difference isn't a sales pitch — it's math you can run.
Market accounts alone
- Fully exposed to a crash the year you retire
- Income rides on guessing a safe withdrawal rate
- A down market forces you to sell at the bottom
- The IRS's share of your 401(k) is still owed
The same plan, with a floor layered in
- A contractual floor that can't go backward
- A pool to draw from instead of selling in a down year
- Income you can structure to last as long as you do
- Tax-advantaged access to your money along the way
Your Retirement Risk Score shows where the gaps are — and whether adding that floor would actually change your numbers.
Fair questions
Is this actually free?+
Yes. The assessment, your score, and the call are free. If a strategy fits your situation, our team is compensated by the financial institution — never out of your pocket.
What kind of strategies are we talking about?+
Time-tested strategies most advisors don't lead with: cash-accumulation vehicles with contractually guaranteed floors that stay liquid, and income strategies that can guarantee a paycheck for life. Nothing exotic — these tools have existed for over a century.
Who is this for?+
People roughly 10+ years from retirement who want growth without riding every market crash down, and people closer to retirement who want guaranteed income they can't outlive.
Will someone pressure me to buy something?+
No. The call is a review of your score and your options. If it's not a fit, you'll leave knowing more about your retirement than you did before.
Find out where your retirement really stands.
Eight questions. Sixty seconds. A clear picture of where your retirement is exposed — and what to do about it.
Get My Retirement Risk Score →