For high-net-worth families approaching retirement, the question is rarely "how much do I need?" It is whether the plan you have today actually accounts for the risks that matter most over the next thirty years.
The Keen Capital Retirement Income Planning Worksheet is a 12-page guide built specifically for HNW households with $2 million or more in investable assets. It walks through the seven structural questions that determine whether a retirement plan is durable: target withdrawal rate, sequence-of-returns risk exposure, Social Security timing, tax-bracket management, healthcare and long-term care planning, legacy structure, and the cash reserve that protects everything else.
What is inside the worksheet
- Section 1 — A planning anchor: how much retirement income your portfolio can sustainably support across multiple withdrawal frameworks
- Section 2 — Sequence-of-returns stress test: how an unfavorable first decade affects the plan
- Section 3 — Social Security claiming strategy for HNW couples
- Section 4 — Tax-bracket management across the first ten years of retirement
- Section 5 — Healthcare and long-term care planning structure
- Section 6 — Legacy planning and the tax-efficient asset transfer framework
- Section 7 — The cash reserve that protects the rest of the plan
The worksheet is not a generic retirement calculator. It is a structured framework that surfaces the planning questions HNW families miss most often. Most users complete it in 30 to 45 minutes.
Who this is for
The worksheet is built for HNW households with $2 million or more in investable assets who are within ten years of retirement (either approaching or recently retired). It assumes a balanced portfolio, multiple account types (taxable, tax-deferred, Roth), and meaningful Social Security and other guaranteed income sources.
It is not the right tool for accumulation-phase households (still building toward retirement) or for households with concentrated single-stock positions, which require a different planning approach. Our concentrated stock risk article covers that situation separately.
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Get the Retirement Income Planning Worksheet
A 12-page structured planning guide for HNW households within ten years of retirement.
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Request the WorksheetAbout Keen Capital
Keen Capital is a fee-only fiduciary wealth advisory firm based in Chapin, SC, serving high-net-worth families across the Midlands. We are SEC-registered (CRD 145023) and have served HNW clients since 2004. Our team includes CFP®, CFA, CPA, and EA credentials.
This content is for educational and informational purposes only and does not constitute investment advice. Past performance does not guarantee future results. Investing involves risk, including possible loss of principal.