Onesta Exhale™ Plan Grader
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Onesta Wealth Management (SEC RIA CRD #165177) · Free Fiduciary Readiness Grader · Zero Product Sales Pitch · Strict Client Confidentiality
3-Minute Fiduciary Assessment

Grade Your Retirement Plan

Discover your true retirement readiness score. See whether your guaranteed income floor covers essential living overhead (Job 1) before risking market capital (Job 2).

1. Enter Your 5 Core Numbers

100% Private

Mortgage, food, healthcare, property taxes, utilities.

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Social Security (both spouses) + pensions + annuities.

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401(k)/IRA + Roth + Brokerage + Cash (exclude home).

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Executive Fiduciary Readiness Verdict Grade B · Strong Runway
B

Substantial Security with Stepped-Down Relief

Your guaranteed income covers 52.9% of essential overhead today, expanding to 71.4% once your mortgage terminates. A targeted buffer sleeve will fully immunize your lifestyle.

Guaranteed Floor 52.9% Pre-Payoff
Post-Payoff Floor 71.4% Stepped-Up Relief
Debt Relief Freed +$26,400 Per Year for Life
Drawdown Rate 2.67% Safe Horizon

House of Five Rooms™ Comprehensive Audit Preview

Room 1: Income Floor

Sovereign Surplus: $48,000/yr floor gap

Room 2: Risk & Buffer

Dot-Com Stress Test: -14.2% Max Drawdown

Room 3: Tax & IRMAA

IRMAA Cliff Headroom: $24,500 Buffer

Room 4: Estate Fortress

Essential Four Documents: 2 of 4 Active

🔒 Full Fiduciary Scorecard Locked

Unlock your complete 5-room executive report and action checklist.

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The Onesta Fiduciary Standard

We never sell proprietary financial products. We engineer your retirement income floor so your wealth works for you with zero lifestyle variance.