This  tool checks the adequacy of a customer's current retirement savings plan. It takes into account their retirement needs, current savings, and savings period, and presents the results graphically and in text. The use of colour coded traffic lights indicate whether or not there is a problem to address.

The outcome is dependant on the assumptions made concerning the earnings of the savings plan and the average inflation rate over the savings period. Letting the customer get a feel for the impact of the assumptions is important. This tool features a capability to reset the earnings and inflation rates at the same time. Both values are chosen at random within realistic ranges and represent the full spectrum of possible economic conditions. Try pressing the "What If" button a few times, and take note of how many red and green lights you get.
 

In many cases, the initial inputs will reveal that the current plan will not be sufficient. This is emphasised by a red traffic light. Tools like this are examples of disturbers that can reveal that it is imperative that the customer take corrective action.  Disturbers confront customers with uncomfortable truths, and create a willingness to engage in a more detailed sales or review process.