In plain terms: A Wealth Stress Test is a structured review of your retirement plan against real-world risk scenarios — market downturns, tax surprises, income shortfalls, and concentration risk. Doug Robb Jr., SEC-registered fiduciary in Long Valley, NJ, conducts the review at no charge and with no obligation.
If you are nearing retirement, managing concentrated assets, preparing for a liquidity event, or simply want more clarity — this review is designed to show the risks most people miss.
If you said "that sounds like me" to any of the above, the stress test is worth 15 minutes of your time.
Your Wealth Stress Test is designed to identify where your plan may be exposed under real-world conditions. We review the scenarios that matter most to your situation, then translate the results into plain English.
A bear market early in retirement can permanently reduce your income. We model how your plan holds up under sustained drawdowns.
RMDs, IRMAA surcharges, and bracket creep are predictable — if you plan for them. We identify the gaps before they become tax bills.
Social Security timing, pension coordination, and IRA distribution sequencing all affect how long your money lasts.
Illiquid assets, large one-time expenses, and healthcare costs can disrupt even a well-funded plan. We map the pressure points.
A single stock, a business interest, or a real estate position that dominates your net worth is a structural risk. We quantify the exposure.
Beneficiary designations, titling errors, and missing documents can override a will. We surface the issues before they become problems.
Tell us about your goals, timeline, and any areas of concern. No lengthy forms, no financial statements required upfront.
We review your situation against key scenarios and planning assumptions — market conditions, tax exposure, income sequencing, and more.
We walk through the findings in plain English and discuss the most important next steps. You leave with clarity, not a sales pitch.
The goal is clarity, not complexity. You leave with a better understanding of where your plan is resilient and where it may need attention.
"Doug helped us navigate the WEP reduction on my Social Security and roll over my wife's 403(b) to an IRA. His knowledge of public sector retirement issues is unmatched. We finally feel like we have a real plan."
Take 15 minutes to see whether your current plan is built to handle the risks that matter most. The conversation is confidential, and there is no obligation to move forward.
Prefer to call? 908.888.9268
The Wealth Stress Test is complimentary, confidential, and takes 15 minutes. No obligation.