Free Tools
Simple retirement tools. Free to use.
These aren't lead-magnet forms — they're honest tools. Email is optional if you want the results saved to your inbox. Never required.
Retirement Income Worksheet
Line up income sources side by side — Social Security, pensions, withdrawals.
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Social Security Maximizer
See how filing at 62, FRA, and 70 changes the math for you and your spouse.
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RMD Calculator
Estimate your Required Minimum Distribution and its tax impact.
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Retirement Gap Analysis
Compare income to expenses — spot the gap before you retire, not after.
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Tax Impact Estimator
How Social Security, RMDs, and other income stack up in your bracket.
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Legacy Planning Checklist
The documents, designations, and conversations that make everything easier.
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Trust Checklist
What to bring to your estate attorney so the meeting is productive.
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Have a question?
Ask Ebby a retirement question.
Type your question — get an honest, educational answer in Ebby's voice. No sign-up. No sales pitch. No obligation.