Welcome — here's what happens next
Retirement HQ gives you the same professional tools our CFP®s use with clients, plus the coursework to use them — all at your own pace. Here's how to get the most out of it.
How this works
Go at your own pace
No deadlines and no rush. Work through it on your schedule, and come back to any lesson whenever you need it.
Always kept current
We keep the tools and coursework updated as tax rules and planning strategies change, so what you're learning stays accurate.
Tools & coursework
This is professional software plus education to help you do it yourself — not personalized financial advice on your specific situation.
Your path through Retirement HQ
Follow these in order the first time through. After that, jump around to whatever you need.
Get your tools set up
Activate RightCapital and Income Lab. RightCapital is ready right away; Income Lab is set up for your account within about one business day.
First dayGet oriented
Start with the "Start Here" lesson and the Course Resource Guide, then watch the walkthroughs so you know your way around each tool.
Build your baseline plan
Enter your numbers into RightCapital and create your first full retirement plan. This becomes the foundation you'll refine over time.
Go deep on the big decisions
Work through the topic coursework — Roth conversions, Social Security timing, Medicare & IRMAA, tax-efficient withdrawals, and RMDs.
Keep it current
Revisit your plan as life and markets change. Use Income Lab's guardrails to know when to adjust, and check back as we add new coursework.
OngoingReady to begin?
Start with the first lesson — it takes just a few minutes and sets up everything that follows.
Start Here