Tools
Run the numbers yourself.
No email needed, no signup, no answer that quietly points you at a product. These are the same numbers we run in a meeting, shown straight — including the times the answer is to do nothing at all.
Debt & cash
Should I pay off the house?
You have money set aside. Clear the loan, or put it to work? This shows what your money would have to earn every year just to tie — and you can see what an annuity with care and family riders would do instead.
Open the calculatorVeterans
What will VGLI cost me?
VGLI steps up every five years and nobody hands you the price list at separation. Put your age and coverage in and see what you pay now, when the next increase lands, how much it jumps, and what the policy costs in total if you simply keep it.
Open the calculatorProtection
Is my work coverage enough?
What it would take to replace your pay, cover the house and get the kids through school — minus what you already have. Shows your shortfall today, how much of your coverage your employer owns rather than you, and what the gap becomes the day the job ends.
Open the calculatorRetirement
What is my guaranteed income gap?
Social Security and any pension, set against what retirement really costs. Whatever is missing is the number worth planning around.
In developmentThese calculators are general education. They work from the numbers you type in, not your real tax situation, so results will differ from real life. Nothing here is tax, legal or investment advice.
Rather not do it alone?
The math is the easy half.
A calculator can tell you which number is bigger. It cannot tell you what happens to your family if you are not here, whether that money is reachable when you need it, or what your CPA will say in April. That is the conversation.