How do I know if I have enough saved to retire right now?

Retirement readiness comes down to three numbers: your annual spending, your guaranteed income (Social Security, pension, annuities), and your portfolio's ability to fund the gap. Add up what you'll spend each year, subtract guaranteed income, then multiply the remaining gap by 25 to estimate the portfolio you need at a 4% withdrawal rate. If your investable assets meet or beat that figure, you're likely in range. But also stress-test for a market drop in your first few years, inflation, and a plan that could last 30-plus years.

Run the numbers with the Retirement Planner at wealthserene.com/tools/retirement-planner, or take the Retirement Readiness assessment at wealthserene.com/assessments/retirement-readiness to see where you stand before you commit.