Danny Gudorf
Danny Gudorf
Founder, Gudorf Financial Group

The Free Retirement Assessment: How It Works

You’ve spent decades building your retirement. Now comes the harder part: knowing when you’ve got enough to stop working and actually start using it.

Most people we meet have done a great job saving.

The problem is they still don’t know what they can safely spend, how their income should work, what taxes will look like, or whether one bad market year could throw the whole plan off.

So they keep working.

Or they retire and spend far less than they could.

Not because they want to.

Because guessing feels risky.

Our Retirement Assessment is designed to replace that guesswork with a clear plan.

We’ll show you what you can spend, how your investments should support that spending, where taxes fit in, when Social Security makes sense, and what needs to happen before and during retirement.

So you can make the next decision based on real numbers instead of fear.

Retirement Changes The Questions

For years, your job was simple.

Work. Save. Invest.

Then retirement gets close and the questions change:

These decisions don't live in separate boxes.

All the pieces have to work together. That's what the Retirement Assessment is built to do.

What's Included

1. Your Retirement Paycheck

Using our Retirement Income Guardrails, we'll show you:

Stop watching your balance and wondering. Know your number.

2. Investments

A full checkup of your current portfolio:

Then we'll show you how it should be set up.

The portfolio that built your wealth may not be the one you need to live on.

3. Health Insurance and Long-Term Care

4. Estate Plan

We'll flag anything outdated, missing or out of line with what you want:

The plan you think you have should be the plan that's actually in place.

5. Lifetime Tax Plan

Not just “What will I owe this year?”

How to pay less over your whole retirement.

6. Social Security

How It Works

The full process takes about 3 to 5 weeks.

Step 1: 20-Minute Call

Step 2: Team Meeting

Then our team spends about two weeks building your assessment.

No canned reports. Your actual numbers.

Step 3: Review Meeting

In person or by Zoom, we walk you through:

You'll leave with:

You'll know what we think you should do and why.

Why We Do This First

A lot of people near retirement aren't sure who to trust.

We'd rather show you the work first.

At the end, we simply ask you to think about it.

If it's a fit, we talk next steps.

If not, you keep your assessment, one-page plan and action list.

Is This a Fit?

We do our best work with people who are:

You may manage your money yourself.

You may already have an advisor.

Or figuring all this out alone may feel like a second job.

The big thing: you want clarity. Not a sales pitch. Not someone looking at one account and ignoring the rest.

Probably not a fit if you want:

Because the assessment takes real work, we only take on a limited number of new clients each month.

The Mistake Nobody Talks About

Most people worry about running out of money.

That deserves real planning.

But we see the opposite mistake all the time:

People spend far less than they could and work longer than they need to.

After decades of saving, it's hard to flip the switch to spending.

Every market drop feels like a gut punch.

Nearly 4 in 10 retirees say they've spent less than they wanted, just to protect their nest egg.

Then they reach their 80s with plenty left and realize they held back during their go-go years.

Those are the years for:

You can't take it with you.

The answer isn't reckless spending. It's knowing your numbers.

If you can afford to enjoy more of your money, you should know that.

Start Before You Retire

Many big retirement decisions need time.

When we can, we start 2 to 3 years before retirement.

So when you pull the trigger, you do it with confidence, not crossed fingers.

Not after the paycheck stops.

Not during a market crash.

Not when something suddenly becomes urgent.

If you love your work, keep going. We have clients who do.

But if you're working one more year only because you don't know if you have enough, you may not need another year. You may need a better answer.

Becoming a Client

Our Multi-Family Client Office

Most retirees have a financial advisor, a tax preparer and an estate attorney who never talk to each other.

That leaves you as the go-between.

We put all three on one team, under one roof, for one fee:

They work from the same plan and talk to each other, so you don't have to.

We're not an hourly or one-time planning firm. We work with clients year after year.

Getting Started: 3 Meetings

  1. Get organized: We move your accounts, set up online access, and check beneficiaries and whose name is on each account.
  2. Investments: We set up your portfolio to support your paycheck and tax plan.
  3. Paycheck and taxes: We map out exactly where your money comes from and which tax moves to make over the next 3 to 6 months.

Your Year With Us

Every year follows the same simple rhythm:

In between, your team watches your paycheck, investments and taxes, and calls you when something needs attention.

Estate Planning

What It Costs

Our Experience

But we don't expect you to pick an advisor from a review.

We'd rather show you how we think.

Find Out If You Have Enough

If you're close to retirement or already there, have $750,000+ saved and invested, and want to know all the pieces fit, start with a 20-minute call.

Schedule your 20-minute call

Once you schedule, we'll send:

You don't need retirement figured out before you call.

Figuring it out is the point.