The Structural Diagnostic measures how dependent a retirement plan is on portfolio withdrawals and evaluates whether the structure can withstand the early years after retirement.
What the Diagnostic Evaluates
The diagnostic applies the Freedom Gap framework to measure the structural characteristics of a retirement plan.
- Freedom Gap size
- Withdrawal intensity relative to capital
- Dependency duration
- Bridge capital requirement
- Structural classification
These measurements help identify whether a retirement structure is stable, transitional, or exposed to early fragility.
Structural Framework Diagram
The Freedom Gap framework evaluates the structural relationship between spending, income, and withdrawal dependency.
The Structural Model
Retirement durability is shaped by three interacting forces.
Timing Sensitivity
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Income Coverage ----- Withdrawal Intensity
A retirement structure becomes more stable when withdrawal intensity is low, reliable income coverage is high, and retirement timing avoids severe early market declines.
Structural Classification
After the diagnostic is calculated, the retirement structure is classified into one of three structural states.
🟢 Structurally Stable
Your retirement timing meets conservative containment thresholds.
🟡 Transitional
Your structure remains sensitive to early-year dependency or withdrawal intensity.
🔴 Not Structurally Ready
Your retirement timing breaches conservative fragility thresholds.
What Will You Receive
Within 24 hours you will receive:
- Structural classification
- Containment test results
- Diagnostic explanation
- Structural direction guidance
Scope of Analysis
The Structural Diagnostic evaluates retirement structure.
It does not provide financial advice.
- no investment recommendations
- no asset allocation advice
- no tax planning
- no market forecasting
The analysis focuses strictly on retirement structure and withdrawal dependency.
Who Should Use the Diagnostic
The Freedom Gap Structural Diagnostic is designed for individuals approaching retirement who want to evaluate whether their retirement timing appears structurally contained under conservative fragility thresholds.
- Planning to retire within the next 1–3 years
- Evaluating withdrawal dependency before leaving work
- Seeking a structural perspective on retirement timing
The diagnostic may also be useful within approximately five years of retirement, although structural evaluations become less precise further from the retirement date.
Run the Diagnostic
If you want to evaluate your retirement structure using the Freedom Gap framework, you can run the Structural Diagnostic below.
Measure your retirement structure under conservative containment thresholds.
The Structural Diagnostic measures structural characteristics of a retirement plan. Interpretation of those measurements is provided only through the Structural Retirement Checkpoint evaluation.