WORK-OPTIONAL READINESS REVIEW™
In 30 Minutes, Estimate Your Work-Optional
Paycheck and Projected Date.
For successful women who are ready to leave demanding work - but want more clarity before walking away from a dependable paycheck.
Without relying on investment-only projections or disconnected financial advice.
$247. The full fee is credited toward OnePlan™ if you proceed.
You Have Worked Hard. But You Still Cannot Answer the Question That Matters Most.
You may already have investments, retirement accounts, insurance, tax advice, and estate documents. You may even have projections showing what your accounts could be worth.
But those numbers may not tell you:
- What monthly paycheck your preferred lifestyle will require
- When work may realistically become optional
- How inflation may affect future purchasing power
- What happens if markets decline early in the transition
- Whether healthcare, taxes, or family obligations have been fully considered
- Which changes could improve your position first
You do not need another isolated financial opinion. You need a clearer picture of how the pieces work together.
Why Current Savings Are Not Enough
The Readiness Fog
You have saved and invested, but you still do not know what it would actually take to leave. Account balances and retirement calculators provide numbers without translating them into a real-life monthly paycheck.
The Strategy Disconnect
Investments, taxes, insurance, healthcare, estate planning, and benefits may be handled by different people. That leaves you making one of the biggest decisions of your life without one coordinated strategy.
The Confidence Gap
Even when the numbers appear promising, you may not know what to change first, how to coordinate the transition, or how the strategy will adapt when markets, costs, health, or family needs change.
A Portfolio Balance Is Not the Same as a
Dependable Lifetime Paycheck.
Average investment returns do not show what happens when a market decline occurs at the wrong time.
They do not automatically account for taxes, healthcare, emergencies, lifestyle changes, or the emotional pressure that can cause someone to abandon a strategy when markets become uncomfortable.
And then there is inflation: the silent thief. Housing, healthcare, insurance, travel, food, and everyday expenses may continue rising even when account balances appear to grow.
The issue is not simply how much you have. It is what your resources may realistically support after accounting for risk, taxes, rising costs, and the life you actually want.
What We Will Work to Clarify
Our conversation is designed to cut through the fog and deliver actionable clarity on the elements that matter most to your transition.
The review is designed to provide an initial estimate based on the information and assumptions available. It is not a guarantee of income, investment performance, or a specific transition date.
Your estimated monthly lifestyle paycheck
A projected work-optional date
The gap between where you are and where you want to be
Important income, tax, inflation, healthcare, and market risks
The decisions that may deserve attention first
Whether a full OnePlan™ engagement is appropriate
ROADMAP PREVIEW
A Clear Starting Point Within the
OnePlan™ Process
Readiness Snapshot
- Lifestyle Paycheck
- Current Position
- Readiness Gap
Work-Optional Strategy
- Income Design
- Risk Protection
- Work-Optional Date
Confident Transition
- Priority Moves
- Transition Plan
- Progress Review
Is This Review Right For You?
This Review May Be a Good Fit If You:
- Have worked hard and accumulated meaningful financial resources
- Feel burned out or ready for a different chapter
- Want more control over your time
- Are concerned about stress or health
- Have investments but still do not feel confident about leaving work
- Receive advice from several professionals without one coordinated strategy
- Want a realistic assessment instead of another optimistic projection
This Is Not Designed for Someone Looking Only for:
- A stock recommendation
- The highest projected return
- A free retirement calculation
- A one-size-fits-all answer
- A guarantee that work can end immediately
WHAT HAPPENS AFTER
At the End of the Review, One of Three Things
May Become Clear.
01
You may be closer than you think.
Your current resources may support more flexibility than you realized.
02
You may have a manageable gap.
Specific changes may improve the probability of reaching the lifestyle and date you want.
03
More coordinated planning may be needed.
Complex investments, taxes, business interests, estate concerns, college costs, insurance needs, or multiple income sources may require a deeper OnePlan™ engagement.
Your Investment
$247
The full $247 review fee is credited toward a full OnePlan™ engagement when you proceed, subject to the final engagement terms.
Secure checkout
MERGENT ADVISORS
Experienced Planning.
Real-World Perspective.
Mergent Advisors is led by Craig Cowles, CFP®, and Douglas Heagren, CFP®. Together, they bring extensive financial-planning experience, family perspective, aviation experience, and firsthand knowledge of business and estate transitions.
The firm intentionally limits the number of significant relationships each lead advisor serves so clients receive direct access and coordinated guidance.
Your Questions, Answered
Preparing for a financial review can bring up questions. Here is exactly what to expect, how to prepare, and what happens next—so you can approach the conversation with clarity and confidence.
Is the review really only 30 minutes?
The review is positioned as approximately 30 minutes to make the first step approachable. Some conversations may require additional time depending on complexity.
Do I need to move my investments?
No decision about moving accounts should be made before understanding your current situation, potential consequences, and whether a change is appropriate.
Is the projected date guaranteed?
No. The date is an estimate based on the information, assumptions, spending needs, market expectations, taxes, and risks considered at the time.
What information should I bring?
You will receive preparation instructions after scheduling. Helpful information may include approximate income, spending, investments, retirement accounts, debts, benefits, and the lifestyle changes you are considering.
What happens if I am not ready for OnePlan™?
The review is intended to help identify the most responsible next step. Not every review leads to a full engagement.
You Do Not Need Every Answer
Before You Begin.
You need a clearer starting point. Estimate the paycheck your lifestyle may require, identify a projected date, and understand which decisions deserve attention next.
Mergent Advisors provides comprehensive, coordinated financial planning and wealth management for professionals, business owners, and their families.
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Contact
[email protected]
1-866-509-8866
Dallas TX:
7701 Lemmon Ave
Dallas TX 75209
Stillwater MN:
310 1/2 Main St S
Stillwater MN 55082
Mergent Advisors, LLC provides financial education, planning support, and insurance-related services. Investment-adviser referral and promotional services are offered through Mergent Wealth, LLC, a Texas-registered investment adviser that does not manage portfolios or exercise investment discretion. Mergent Wealth may receive referral compensation, and Mergent Advisors owns a 4% minority interest in Mergent Wealth, creating financial incentives and potential conflicts of interest. Insurance professionals may also receive commissions. Investing involves risk, including possible loss of principal. Registration does not imply a particular level of skill or training. Please review our Important Disclosures and Mergent Wealth’s Form ADV.
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