Free Retirement Resources
Free calculators and plain-English guides from Roger Fishel for people approaching or living in retirement. Use them at your own pace, with no cost and no obligation.
See where you stand in about a minute
What's Your Retirement Readiness Score?
Answer 8 quick questions and get your score from 0 to 100, your 3 biggest gaps and a free personal PDF report.
The Tax Bomb Calculator
Find the hidden tax in your IRA or 401(k) and see how much of it may belong to the IRS.
Calculate My Tax BombRetirement Tax Calculator
Estimate the taxes you may pay over your retirement, based on your age, savings and tax rate.
Calculate My Retirement TaxesResults are estimates for education only, based on the numbers you enter.
Make your savings last, and keep more of it
The Tax-Smart Retirement Income Guide
How to turn your savings into a paycheck that lasts, and keep more of it away from the IRS.
- What retirement will really cost
- Which accounts to draw from first
- A simple income worksheet
7 Retirement Tax Mistakes That Could Cost You Thousands
The avoidable tax errors that quietly shrink retirement income, and what to do about each one.
- Roth conversions and RMDs
- Social Security and Medicare surprises
- A yearly tax checklist
Understand annuities before you decide
The 2026 Truth About Annuities
How annuities can grow your savings with protection from market losses, and why turning one into income is optional.
- How fixed indexed annuities work
- Getting your money out
- Is an annuity a fit for you?
Annuity Do's and Don'ts
The mistakes to avoid and the questions to ask before you move a single dollar into an annuity.
- 7 do's and 7 don'ts
- 8 questions to ask before you sign
- Key terms in plain English
Get a free Annuity X-Ray
A plain-English review of the contract you own: when the surrender period ends, how interest is credited, fees, income options and the death benefit.
Book a Free Retirement Clarity Session
A free, no-pressure 15-minute call with Roger to look at your own situation.
Book a Free ConsultationOr call (407) 974-7100
