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Market Risk
A correction early in retirement can do far more damage than most people realize, especially if you are withdrawing income while your portfolio is under pressure.
Stress test your retirement with a Retirement MRI before risk becomes reality
Your Retirement Plan Is a Ticking Time Bomb
Market declines, income shortfalls, and IRA tax exposure can quietly threaten your future. The Retirement MRI helps uncover those hidden risks before they damage your income, lifestyle, and legacy.
- Stress test your plan for market risk
- Evaluate income sustainability for the years ahead
- Identify hidden IRA / 401(k) tax exposure
- Get clear, data-driven next steps
Designed for adults age 55–75 with at least $300,000 in retirement savings who want greater clarity, confidence, and control.
Why plans fail
Why So Many Retirement Plans Become Time Bombs
You may have saved diligently, invested consistently, and done everything you were told to do. But retirement planning is not just about growing money anymore. It’s about making that money last, generating dependable income, and reducing the tax drag that can quietly erode your future.
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Income Sustainability Risk
A plan can look strong on paper and still fail to generate income that lasts as long as you and your spouse do.
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IRA / 401(k) Tax Risk
RMDs, Social Security taxation, Medicare IRMAA surcharges, widow’s penalty, and heir taxation can quietly create a growing tax avalanche.
Three essential questions
Three Questions Every Retiree Should Answer
If the answers are unclear, your plan deserves a closer look.
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What happens to your retirement income if the market drops 20% or 30% in the next few years?
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Will your income last as long as you and your spouse live?
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How much will taxes take from your retirement along the way?
The diagnostic method
What Is a Retirement MRI?
The Retirement MRI is a diagnostic process designed to reveal hidden weaknesses in your retirement plan before they become costly mistakes. Just like in medicine, the goal is to identify risks early, diagnose carefully, and create the right treatment strategy.
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Market Risk Scan
We evaluate how exposed your plan may be to volatility, downturns, and poor timing of withdrawals.
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Retirement Income Risk Scan
We assess whether your current strategy is designed to generate income that can last throughout retirement.
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IRA / 401(k) Tax Risk Scan
We identify tax exposure, project the impact of RMDs, evaluate Roth conversion opportunities, and consider your legacy.
What it may reveal
What Your Retirement MRI May Reveal
Most people are surprised by what a real retirement stress test uncovers. The Retirement MRI is designed to go beyond assumptions and generic rules of thumb.
- Market crash simulations that show how a downturn could affect your income and portfolio longevity.
- Income sustainability projections that estimate whether your current strategy can last through retirement.
- RMD and IRA tax projections that expose future tax drag and possible tax traps.
- Roth conversion opportunities with side-by-side comparisons of possible strategies.
- Legacy and heir impact to help you understand the tax burden you may leave behind.
- Action-oriented next steps tailored to your specific situation and goals.
What you receive
During Your Complimentary Retirement MRI, You May Receive
We use the Retirement MRI Method to gather your current plan information, identify hidden risks, stress test possible outcomes, and outline strategic next steps.
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Retirement MRI Risk Scan
A personalized review of your Market Risk, Retirement Income Risk, and IRA / 401(k) Tax Risk.
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Retirement Stress Test
Data-driven modeling that shows how volatility, withdrawals, longevity, and taxes may affect your plan.
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Action-Oriented Findings
Clear reports and recommended next steps for income planning, tax management, and risk mitigation where appropriate.
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Complimentary Book Bonus
When you schedule and complete your Retirement MRI, you’ll receive a complimentary copy of David Facer’s book.
Simple process
How the Process Works
The goal is clarity, not pressure. We use a structured process that helps you understand risk, review options, and decide what to do next.
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Schedule a Brief Intro Call
We start with a short conversation to gather the relevant details of your current retirement plan.
2
We Run Your Retirement MRI
We evaluate your plan for market vulnerability, income sustainability, and IRA tax exposure.
3
We Review the Results Together
You receive a strategy session where we walk through findings, reports, and practical next steps.
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You Decide What to Do Next
There is no obligation. You leave with more clarity, more options, and a better understanding of where risk may be hiding.
Advisor & author
Meet David Facer, MBA
David Facer is a retirement strategist, financial modeler, and author who helps retirees and pre-retirees stress test their plans for market risk, retirement income risk, and IRA tax risk.
- Former software company owner turned retirement strategist with a process-driven analytical approach.
- Developer of financial modeling tools focused on retirement income and Roth conversion strategy.
- Author of Your 401(k) or IRA Is a Ticking Time Bomb.
- Focused on helping families reduce risk, increase clarity, and make more informed retirement decisions.
Bonus resource
Complimentary Book Bonus
When you schedule and complete your personal Retirement MRI, you’ll receive a complimentary copy of David Facer’s book:
Your 401(k) or IRA Is a Ticking Time Bomb
This book helps explain the tax traps, Roth conversion concepts, and planning issues that can quietly reduce retirement income and leave more of your nest egg exposed than you realize.
Claim My Free MRI
Frequently asked questions
Answers Before You Book
Is this just another sales pitch?
No. The Retirement MRI is designed to be educational and data-driven, helping uncover risks and opportunities within your current plan.
Do I need to move my assets?
No. The purpose is to better understand your options and the risks inside your existing strategy.
What if I already have a financial advisor?
Many clients do. This process can serve as a second opinion or a deeper diagnostic review.
What will I receive?
You may receive personalized reports, stress-test insights, and a clear action-oriented review of your market, income, and tax risks.
Who is this best suited for?
This is generally best suited for adults age 55–75 with at least $300,000 in retirement savings who want to make more informed retirement decisions.
What happens after the analysis?
You review the findings, discuss possible strategies, and decide your next steps. There is no obligation.
Final step
See What Your Retirement Plan Looks Like Under Stress
You can continue hoping your current plan works exactly as intended — or you can take a closer look at how it may perform under real-world market, income, and tax pressure.
A Retirement MRI can help you uncover hidden risk, clarify your options, and move forward with greater confidence.