Tools & Calculators | The Stewardship Mom

Retirement Comfort Quiz

Five quick questions to help us talk about what matters most to you in retirement — predictable income, growth, or a mix of both.

1. When you picture retirement income, what matters more?

Knowing exactly what I'll receive each month The chance for my money to grow more over time

2. If the stock market dropped 15% in a year, how would you feel?

Uneasy — I'd want my retirement funds protected from that Okay — I understand markets move up and down over time

3. How many years until you plan to retire or start drawing income?

Less than 10 years More than 10 years

4. Do you currently have a source of guaranteed monthly income (pension, TRS, annuity)?

Yes, and I'd like to build on it No, and that gap concerns me

5. What would help you sleep better at night?

A plan that can't lose value A plan with more upside, even with some ups and downs

Let's talk about it

This is a conversation-starter, not a formal risk assessment or investment recommendation. Any product discussion will be based on a full, personalized review.

Life Insurance Needs Calculator

A simple starting estimate using the income-replacement method.

Annual income to replace ($)

Years you'd want it replaced

Outstanding debts (mortgage, loans) ($)

Final expenses / funeral costs ($)

Existing savings & current coverage ($)

This is a rough estimate of coverage that could help protect your family's income and cover major obligations.

Get a personalized quote

Educational estimate only. Your actual needs depend on your full financial picture.

Final Expense Estimator

See the potential gap between typical final expenses and what you currently have set aside.

Estimated funeral/burial cost

Amount currently set aside ($)

Talk about final expense coverage

National average estimates — actual costs vary by region and provider.

TRS Gap Estimator (for Texas Teachers)

A quick look at whether your pension alone will cover your target retirement income.

Estimated monthly TRS benefit ($)

Other guaranteed monthly income ($)

Desired monthly retirement income ($)

Review my TRS gap

TRS benefit estimates should be confirmed with your official TRS benefit statement.

Disability Income Estimator

See roughly how much monthly income protection you might want.

Current monthly take-home pay ($)

Most disability income policies replace 60–65% of income — that's the range shown here.

See disability income options

Educational estimate only. Coverage amounts depend on carrier guidelines and underwriting.