RetireLogica independently reviews your projection, optimizer results, stress tests, assumptions, and evidence to determine whether you can retire—and stay retired.
A conclusion is only reassuring if it was reached by weighing the evidence — including the parts that don’t line up.
A favorable-by-default tool that never pushes back is hard to trust. A Second Opinion is only useful if it can disagree when the evidence warrants it.
A single probability tells you little about why. The more useful question is what the number depends on and what it leaves out.
Whether the plan holds may hinge on spending flexibility, tax assumptions, or a scenario that was never tested. Those gaps deserve to be named.
The Second Opinion looks across every source that shapes the answer — not a single score in isolation.
The reproducible year-by-year plan behind every conclusion.
How income and withdrawals cover the modeled spending path each year.
Federal brackets, RMDs, and Social Security taxation as modeled over time.
Subsidy cliffs before 65 and Medicare surcharges after, under the stated assumptions.
The Roth and Social Security strategies compared on the same assumptions.
Resilience measured across simulated market conditions, as one evidence source.
Behavior under known difficult return sequences from real market history.
The spending path and how much spending flexibility the plan relies on.
What was not tested or could not be evaluated with the inputs provided.
Each answer is framed around a decision and supported by the available evidence.
The Second Opinion lands on one of a few honest states, calibrated to the evidence reviewed.
The evidence reviewed supports the plan’s conclusions under the stated assumptions.
The plan looks reasonable, with reservations worth understanding before you rely on it.
The evidence points to a material concern that should be addressed first.
Key inputs or tests are missing, so a confident conclusion isn’t yet supported.
The Second Opinion is a rules-based review of the evidence — and it’s honest about what that is and isn’t.
Second Opinion is generated by RetireLogica's deterministic review rules. It is not a review by an unaffiliated human advisor and does not replace professional financial, tax, or legal advice.
Build a plan, then let the Second Opinion tell you plainly where it stands — and why.