Have a Question Before Requesting a Readiness Check?

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Retirement Readiness Is More Than an Account Balance

Many investors can describe their portfolio allocation.

“I’m about 70 percent stocks and 30 percent bonds.”

But allocation percentages alone do not answer the questions that matter most when planning for retirement.

Is this enough to retire when I want?

How much income can these assets realistically produce?

How exposed am I to a major market decline?

How will taxes affect retirement income?

Over time, retirement savings often become spread across multiple accounts, platforms, and investment strategies. What appears simple on the surface may actually be more complex beneath it.

Retirement readiness depends on how assets, income sources, portfolio risk, and taxes interact over time.

Complimentary Retirement Readiness Check

At Ridge and Republic Financial, the first step in our process is a complimentary Retirement Readiness Check.

This brief introductory conversation provides a high-level estimate of whether your current savings trajectory and portfolio structure align with your expected retirement lifestyle.

The purpose is not to produce a full financial plan, but to help investors gain initial clarity about where they stand today.

What We Typically Review

During the conversation we may discuss:

• approximate retirement timeline
• expected retirement spending
• current investment assets and savings trajectory
• estimated retirement income capacity
• general portfolio risk exposure
• coordination across multiple financial accounts

This discussion provides a high-level snapshot of how your current financial structure may support retirement goals.

What Happens After the Check

If appropriate, we may proceed with a Comprehensive Retirement Review, which evaluates:

• retirement income sustainability
• tax-efficient withdrawal strategies
• Social Security timing considerations
• portfolio structure and risk exposure
• coordination between accounts and long-term goals

There is no obligation to continue beyond the initial conversation.

Schedule a Retirement Readiness Check

Book a brief conversation below.

What to Expect

• A short conversation (~20 minutes) about your portfolio and goals
• Discussion of how your investments are structured
• Initial insight into potential risks or blind spots

No preparation required. No documents are necessary at this stage.

I look forward to our discussion.

Adam Betzelberger
Managing Principal
Ridge and Republic Financial

Independent fiduciary investment adviser serving Beavercreek and the greater Dayton area.

The Retirement Readiness Check is an educational and diagnostic discussion.

It does not constitute a full financial plan, investment recommendation, or advisory relationship. Detailed analysis or personalized advice may occur only after a formal advisory relationship has been established.