📋 SAMPLE DATA - Robert & Margaret Miller • Stone Creek, Ocala
💰 Fixed Income Sources
Social Security, pensions, annuities, and other guaranteed income streams
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📈 Variable Income
Dividends, interest, rental income, part-time work, and other variable sources
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🏠 Fixed Expenses
Mortgage, utilities, insurance, healthcare, and other recurring monthly expenses
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✈️ Variable Expenses
Travel, home improvements, gifts, major purchases, and one-time expenses
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📊 Year-by-Year Financial Projection
Detailed breakdown of income and expenses for each year of retirement
💀 Retirement Meltdown Analysis
Will your money last? This analysis uses your WISE TRUTH data to project if and when funds may deplete.
Analysis Results
Years Until Depletion
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Peak Balance
$--
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Final Balance (if not depleted)
$--
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Avg Annual Cash Flow
$--
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📋 Data Summary (from WISE TRUTH entries)
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🧠 Memory & Cognitive Wellness Check
A confidential self-screening for cognitive risk factors and LTC planning
A Conversation We Have With Every Client Over 65
Our team has been helping folks like you protect their life savings for a long time, and we've learned one thing the hard way: the biggest wrecking ball to a retirement plan isn't the stock market — it's when memory starts to slip and nobody caught it early.
The Mini-Cog is a 3-minute test your doctor can give you. Ask for it at your next visit — it could save your retirement plan.
2025 Long-Term Care Costs:
Type of Care
Monthly Cost
Home care with help
$5,600 – $8,000
Assisted living (memory care)
$6,800 – $9,200
Nursing home
$10,000 – $12,500
⚠️ Medicare pays nothing for this. Medicaid only helps after you've spent almost everything.
1 Demographic & Major Risk Factors
1. Are you currently age 75 or older?
2. Do you have a parent, brother, or sister who developed Alzheimer's or dementia?
3. Has a doctor ever told you that you have diabetes?
4. Has a doctor ever told you that you have high blood pressure?
5. Has a doctor ever told you that you have high cholesterol?
2 Vascular & Lifestyle Risks
6. Have you ever had a stroke or TIA ("mini-stroke")?
7. Has a doctor diagnosed you with heart disease, atrial fibrillation, or heart failure?
8. Do you currently smoke or have smoked in the last 10 years?
9. In the past 2 years, have you been diagnosed with depression or prescribed an antidepressant?
10. Do you have chronic kidney disease or are you on dialysis?
3 Cognitive & Functional Red Flags ⚠️ Important
11. In the past 12 months, have family or friends commented that your memory seems worse?
12. Do you frequently misplace things and struggle to retrace your steps?
13. Do you sometimes forget what you were about to say mid-conversation?
14. Do you ever get lost or confused while driving or walking in familiar places?
15. Have you stopped doing complex tasks (bills, medications, recipes) because they feel too hard?
4 Protective Factors ✓ These reduce risk
16. Do you exercise at least 150 minutes per week? ("No" = adds risk)
17. Do you eat a Mediterranean-style or heart-healthy diet most days? ("No" = adds risk)
18. Do you engage in mentally stimulating activities several times per week? ("No" = adds risk)
19. Do you have regular social contact with friends/family 2-3+ times per week? ("No" = adds risk)
5 Self-Assessment
20. How often in the past month have you felt your memory is noticeably worse than 5 years ago?