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See where you stand

Turn your savings into a retirement paycheck plan.

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A monthly income plan, with money set aside for the years markets fall.

See where you stand

Free. About 5 minutes.How it works

How it works

SEC-registered investment adviser. Fiduciary advisors · CRD# 175233

As seen on
CNBCBloombergYahoo FinanceCharles Schwab
Media appearances. Not an endorsement of Clockwise’s advisory services.

Questions you may be asking

Will my money last as long as I do?

What happens if the market drops the year I retire?

How much can I spend each month?

Is my portfolio built for income, or only for growth?

See how a plan answers them

Why timing matters

The order of returns matters as much as the returns.

Two retirees get the same returns over twenty years, in a different order, and take out the same amount each year. The one who meets the bad years first can end up with far less.

Bad years lastBad years first

Hypothetical illustration. The same twenty yearly returns in opposite order, with the same yearly withdrawal. Not based on any Clockwise portfolio or actual returns. Ignores fees and taxes.

How the plan is built

Three buckets. One paycheck plan.

Your savings are split by job, so the money you need soon is not riding on this year’s market.

  1. Each month, withdrawals in your paycheck plan come from the Now bucket.
  2. A down year hits the Later bucket. Nothing in it is sold to pay you, and withdrawals keep coming from Now.
  3. When markets recover, gains refill Next, and Next refills Now.

Now

Income

About three years of planned income, held in steadier investments. Your monthly withdrawals come from here.

CoversYears 1 to 3

Next

Inflation protection

The following three years, positioned to keep pace with rising costs. It refills the Now bucket.

CoversYears 4 to 6

Later

Growth

Money you will not need for years, invested for the long run. It refills the buckets ahead of it.

CoversYear 7 on

Illustrative description of a bucket-based income approach. Bucket levels are not to scale and do not represent any client plan. Not an annuity or a guarantee of income. Investing involves risk, including loss of principal.

How it works

  1. Get your score

    Answer eight questions and see where your portfolio stands today.

  2. Plan with an advisor

    A fiduciary advisor builds your monthly income plan with you.

  3. Start your paycheck plan

    Withdrawals are scheduled monthly, and your plan is reviewed as markets move.

See where you stand

What clients say

“I've built my nest egg over the last 20 years primarily through tech stocks. With the market near all-time highs, I wanted a clearer read on where I stood. Kronos gave me that read … and a structured way to think about what to ask next.”

Elizabeth B. · Optometrist

Testimonial by a current Clockwise client. No cash or non-cash compensation was paid for this testimonial. The client receives Clockwise advisory services for which Clockwise earns a fee, which is a potential conflict of interest. Individual experiences vary. This is not a guarantee of future results or experiences.

“I was terrified I was too far behind to retire, but Kronos helped me think through the questions and matched me with a Clockwise advisor to build a plan.”

Brandon W. · SAAS Salesman

Testimonial by a current Clockwise client. No cash or non-cash compensation was paid for this testimonial. The client receives Clockwise advisory services for which Clockwise earns a fee, which is a potential conflict of interest. Individual experiences vary. This is not a guarantee of future results or experiences.

“I just received an inheritance and didn't know where to start. Kronos helped me organize my questions and connected me with Clockwise advisors who could help me think through the tax and planning side.”

Daniel F. · Civil Engineer

Testimonial by a current Clockwise client. No cash or non-cash compensation was paid for this testimonial. The client receives Clockwise advisory services for which Clockwise earns a fee, which is a potential conflict of interest. Individual experiences vary. This is not a guarantee of future results or experiences.

In the media

CNBCSemis are the only thing keeping the market up (opens in a new tab)CNBCMeta-AMD deal makes sense for Meta but less so for AMD (opens in a new tab)CNBCInvestors need exposure to Nvidia, just not at any price (opens in a new tab)

Media appearances. Not an endorsement of Clockwise’s advisory services. Mentions of specific securities are media commentary, not recommendations.

Cover of TIME: A Map for the Crossing

The research

TIME: A Map for the Crossing

The thinking behind every Clockwise plan, written by our co-founder Eli Mikel.

The people behind your plan

Portrait of Eli Mikel, CFP®, CRPC®

Eli Mikel, CFP®, CRPC®

Co-Founder & CEO

Portrait of James Cakmak, CFA

James Cakmak, CFA

Chief Investment Officer

Portrait of Adam Simon

Adam Simon

COO & Portfolio Manager

Portrait of Eric Harrison Jr.

Eric Harrison Jr.

Chief AI Officer

The score is free. Advisory fees are shown up front.

Kronos score

$0

Free, no obligation

Advisory

Set out in our Form ADV Part 2A

Shown before you sign anything

See pricing

Questions, answered

Is the Kronos portfolio analysis really free?

Yes. You get a full risk score and portfolio analysis at no cost. No credit card, no commitment. The free analysis covers portfolio scoring, cycle positioning, and strategy recommendations.

What happens after I get my score?

You can explore the results on your own, continue chatting with Kronos for deeper insights, or schedule a call with a Clockwise advisor to discuss next steps. There is no obligation. All Clockwise advisors are fiduciaries, legally required to act in your best interest.

Are you a registered investment adviser?

Yes. Clockwise Capital is an SEC-registered investment adviser (CRD# 175233). All of our advisors are fiduciaries, legally required to act in your best interest.

Is a paycheck plan an annuity?

No. Your money stays invested in your own accounts, and your income comes from planned withdrawals. Because it stays invested, it can change with markets, and your advisor reviews the plan with you as they do.

Start with where you stand today.

See where you stand

Free. No obligation. Takes about 5 minutes.