Retirement Gap Radar
Find the Hidden Holes in Your Retirement Plan
A retirement plan can look strong on the surface but still have hidden gaps: long-term care costs, probate delays, Medicare coverage limits, unfunded trusts, missing living documents, and home protection risks.
The Retirement Gap Radar gives families a simple way to see which planning areas need attention first.
What the radar checks
Eight Planning Areas That Can Create Retirement Risk
The radar helps organize the major planning risks into clear sections so families can stop guessing and start prioritizing.
Long-Term Care Costs
Nursing home, assisted living, memory care, and in-home care can drain assets quickly.
Review LTC Risk → ◇Estate Planning
Wills, trusts, guardianship, and instructions help protect the family and reduce confusion.
Review Estate Plan → ◎Medicare Gaps
Medicare helps with medical costs but does not solve long-term care, SNF, or drug exposure alone.
Review Medicare → 🛡Asset Protection
Savings, investments, life insurance cash value, and the home may be exposed without planning.
Review Assets → ⌂Home Protection
The home is often the largest asset and should be reviewed before care costs create pressure.
Review Home → ♡Spousal Protection
Care costs for one spouse can financially pressure the healthy spouse without a plan.
Review Spouse → ▣Trust Funding
A trust only works fully if assets, titles, and beneficiaries are properly aligned.
Review Funding → ✦Living Documents
Financial POA, healthcare POA, and directives protect decision-making during incapacity.
Review Documents →Risk map
One Weak Area Can Create Pressure on the Entire Plan
Long-term care costs can drain assets. Missing documents can create court delays. Medicare gaps can surprise families. An unfunded trust can still leave assets in probate.
The radar shows how these risks connect so you can protect the full plan, not just one piece.
Planning score preview
Use the Radar to Prioritize Your Next Step
A simple scan can show which area deserves attention first.
Red Zone
Major gap. This area may need urgent review.
Yellow Zone
Partial plan. This area may need updates or clarification.
Green Zone
Better prepared. Review periodically as life changes.
Example outcomes
What the Radar Might Reveal
Estate documents exist, but trust was never funded.
Next step: review trust funding, beneficiaries, account titles, and probate exposure.
Open Trust Funding →Medicare is handled, but long-term care is not.
Next step: review long-term care costs, Waterlily analysis, and asset protection strategies.
Open LTC Planning →Home is exposed and spouse has no clear protection plan.
Next step: review home protection, Medicaid planning, and spousal protection.
Open Home Protection →Start your scan
Ready to See Where Your Retirement Plan May Have Holes?
Take the free assessment or schedule a consultation. We’ll help you identify which planning area should come first.
Assessment
Quick self-check for key planning gaps.
Waterlily
Estimate possible long-term care exposure.
Consultation
Talk through priorities in plain English.
Explore all planning pages
Every Page in the Planning System
Don’t Wait for the Storm to Find the Holes
Find the gaps now, prioritize the next step, and protect the plan before your family needs it most.
No obligation • No sales pressure • Plain-English guidance