What the Wealth Gap Diagnostic is
Most people have never seen their whole financial picture on one page. Their 401k statement comes from one company, their mortgage from another, their life insurance from a third, and nobody is looking at how those pieces affect each other.
The Wealth Gap Diagnostic is a working session where Marcus puts all of it side by side and answers one question: how many dollars is your current setup costing you in taxes, interest and missed growth, and what would it take to close that gap?
It's free, and it's yours. You keep the numbers whether or not you ever work with us.
What we review
The Diagnostic follows the Tri-Pod of Finance: mortgage, insurance and retirement. Inside those three legs, we look at:
- Your 3 Buckets. How much of your savings is liquid, how much sits in the Tax-Deferred Trap (401k, IRA, TSP, 403b), and how much is already tax-free.
- Your Social Security exposure. Whether your planned withdrawals will make up to 85% of your benefit taxable.
- Your Medicare IRMAA risk. Whether your income in the two years before Medicare could raise your premiums.
- Your Cost of Capital. The real rate you're paying on every dollar you owe, from your mortgage to your car to your credit cards.
- Your Idle Equity. How much equity is sitting in your home, and whether it should stay there.
- Your protection. Whether your life insurance includes Living Benefits for chronic, critical and terminal illness, and whether the coverage still fits your income.
- Your legacy. Whether a will or trust is in place, and whether Maryland or DC estate tax applies to you.
How it works
We use a simple two-meeting process so nothing is rushed.
- Discovery Call (30 minutes, free). A conversation about where you are, where you want to be and what's in the way. Book it at yourmoneyexperts.com/discovery.
- Your Wealth Gap Intake. A short secure form so we're working from your real numbers instead of guesses. Start it here.
- The Diagnostic Meeting. We walk through your gap, the leaks behind it and your options to fix it. You decide what, if anything, to do next.
What to have ready
- Your most recent 401k, IRA, TSP or 403b statements
- Your mortgage statement and an estimate of your home's value
- Any existing life insurance policies
- Your Social Security statement from ssa.gov (optional but helpful)
- A rough idea of when you'd like to retire and what you'd like to live on
Don't have all of it? Come anyway. We can fill in the rest together.
Who it's for
- Have most of your savings in a 401k, IRA or TSP
- Own a home with meaningful equity
- Are within 15 years of retirement, or already retired
- Are a federal employee planning around FERS and the TSP
- Want one person looking at the whole picture
- Are carrying high-interest debt with no emergency savings. Start with cash flow first, and we can help with that too
- Want a stock picker. We build structure, not trades
Questions we hear often
Is the Wealth Gap Diagnostic really free?
Yes. The discovery call and the Diagnostic meeting cost nothing. If you choose to implement a mortgage or insurance strategy afterward, Marcus is compensated by the lender or insurance company, and he'll tell you how before you decide.
Do I have to buy anything?
No. Many people use the Diagnostic simply to understand their numbers. You leave with your Wealth Gap either way.
Is this tax advice?
No. We show you how the tax rules affect your retirement income and coordinate with your CPA or tax preparer on anything that needs a tax professional.
Can we meet virtually?
Yes. Most meetings are by phone or video. In-person meetings are available in Upper Marlboro, Maryland.