Build Wealth
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The LegacyRx Prescription
You built the income. Is it building the life you want?
A free financial exam. Seven minutes, mostly taps. The math runs in your browser and stays there.
Your freedom runway
How long you could live without the income you work for.
Your work optional number
What it actually takes for work to become a choice.
Your prescription
The three moves most worth making next.
7 minutes · mostly taps · no account linking · no product pitch
Your financial information stays on your device unless you choose to save or send your results. Dentists, PAs, CRNAs and other high earners are welcome to take it too.
Your LegacyRx Prescription
Vitals, diagnosis, and three moves.
None of this is a grade. It is a picture of where things stand today, so that the next three moves are clear. It works the same whether you are just starting out or well along.
01 · Your financial vitals
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LegacyRx Freedom Score
Out of 100. Where things stand today, not a grade.
02 · Your diagnosis
Within normal limits
03 · The finish line
Your work optional number
04 · Your prescription
Your first move
The next thirty days.
Just this one thing for now. The rest of the prescription will keep until it is done.
05 · Income that doesn't need another hour of your time
Ownership income.
A paycheck, an index fund and retirement at sixty five is not the only road. These are the ways people actually build income that does not depend on their hours. The first three are the ones that fit your answers best.
We call it ownership income rather than passive income, because very little of it is passive at the start. What matters is that it keeps paying after the work is done.
06 · The detail behind the numbers
Live Free
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Leave What Lasts
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Wealth conversion rate
The capital map
Earn
Keep
Own
Produce
Protect
07 · Retirement resilience
How much of this plan depends on selling?
A plan that has to sell investments every year works in a good decade and costs you in a bad one. Selling while prices are down, early in retirement, does damage that later gains do not undo. That is what sequence of return risk means. The usual answer is money you can spend without selling anything: cash reserves, income that arrives on its own, and assets that do not move with the market.
Ernst & Young LLP studied this directly in Benefits of integrating insurance products into a retirement plan (2021, updated 2025). Their modeling found that pairing permanent life insurance and deferred income annuities with an investment portfolio improved both retirement income and what was left behind, largely because the cash value can be drawn on after a down year instead of selling investments at a loss. That is a research finding about a structure, not a recommendation for you, and it does not mean anyone should assume they can safely withdraw more than the 4% rule allows.
A full Retirement Resilience Test is the second visit, and we are building it now.
08 · Your follow up
Send me my one page prescription
Your vitals, your diagnosis, your three priorities and your first move, on one page you can save, print, or talk through at home. The email carries a link back to this page, so you can open it again on any device.
On its way
Check your inbox.
Your prescription is in there, on a link you can open whenever you want it. Give it a couple of minutes, and have a look in your spam folder if it has not landed yet.
Have the conversation that matters
Most calculators end by asking you to book a call. This one ends at your kitchen table. Send it to the person who should see it first.
Ask each other tonight
Come back and take it again next year. Like a physical, it is most useful as the same set of readings taken twelve months apart.
Your financial information stays on your device unless you choose to save or send your results. The exam runs entirely in your browser, this site carries no analytics and no tracking scripts of any kind, and your answers are kept only in your own browser so you can come back to them. Nothing reaches us unless you submit the email form above. If you do, what reaches us is your first name, your email, and a link that holds your answers, so that we can send you back the page you are looking at. A share link carries your numbers inside the web address itself, which never leaves your device on its own, so send it only to the person you meant to send it to. Education, not advice. Every number here is an estimate built from the ranges you set, and nothing here is individualized investment, insurance, tax, or legal advice. Talk to your own accountant, your own attorney, and your own advisor before you act on anything here.