How It Works
From "Am I Ready?" to a Plan You Can Verify
No cost. No obligation. No confusing jargon. Here’s exactly what happens when you start the Keep the Paycheck, Lose the Work™ process, and what you’ll walk away knowing.
Your Path
Three Simple Steps to Clarity
Get the Free Book
Request your complimentary copy of Keep the Paycheck, Lose the Work™. Read the full method, see the math worked out step by step, and check it against your own situation. Available in digital and softcover.
Get Your Free Income Gap Analysis
Connect with a local KPLW-certified advisor for a complimentary, personalized Retirement Income Analysis. This isn’t a generic online calculator. You’ll see exactly how much monthly income you need, how much is already covered by Social Security and other guaranteed sources, and what your gap really is.
Decide With Clarity
You see the assumptions. You verify the numbers. You model the what-ifs that matter to you: retiring earlier or later, claiming Social Security at a different age, paying off debt, working part time. Whatever you decide, you decide it with real numbers instead of guesses.
The 7-Step KPLW Method
The Math Behind the Plan
Your analysis follows the same seven-step process laid out in the book. Nothing hidden, nothing improvised.
Identify Your Net Pay
The take-home number on your pay stub. Not your gross income, not your account balance. The number you actually live on.
Estimate Healthcare Costs
Retiring before 65? We add realistic marketplace coverage costs to your income need, so there are no expensive surprises.
Estimate Your Social Security
Using official Social Security Administration figures, based on when you actually plan to claim.
Calculate Your Income Gap
Net pay plus healthcare costs, minus guaranteed income. That’s the number your retirement plan has to solve.
Fill the Gap (Bucket 1)
Cover your income gap with guaranteed lifetime income, using the least amount of money possible.
Grow the Rest (Bucket 2)
Every dollar not needed for income stays invested for growth, inflation protection, emergencies, and legacy.
Verify Everything
Confirm the assumptions yourself using public tools like SSA.gov and independent healthcare cost calculators. A good plan should survive your scrutiny.
Current Net Paycheck
$X
Expected Retirement Income
− $Y
Retirement Income Gap
= $X-Y
This is the number Step 4 solves for you
The KPLW Income Gap Analysis
A Personalized Breakdown, in Black and White
Your free analysis shows you:
There’s no charge for the analysis, and you’re obligated to nothing except taking an honest look at your own numbers.
Is This You?
Built for People Within Sight of Retirement
You’re in your 50s or early 60s and still working, with retirement one to six years out. Or you’ve retired within the last five years and want to make sure your income holds up. You’ve built real savings, maybe a solid 401(k), and now the question isn’t how to accumulate more. It’s whether what you have can actually replace your paycheck. If you like straight talk, want to avoid the industry’s complexity, and prefer a plan you can verify yourself, this process was built for you.
Questions, Answered
What People Ask Before They Start
Yes. The book and the Income Gap Analysis cost nothing and carry no obligation.
An independent, licensed financial professional in our network, trained and certified in the KPLW method. They’ll disclose their licensing and how they’re compensated. Ask them anything.
No. The analysis is informational. What you do with it is entirely up to you.
That’s great news, and it happens more often than you’d think. Either way, you leave with clarity.
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