Source snapshot
RetirementRiskIQ uses public, defensible data sources and labels proxy inputs where a more direct public dataset is still being added. Scores are directional comparisons, not predictions or financial advice.
current period table used by the 2026 Trustees Report
Latest
2023
Cadence
Annual Trustees Report cycle
Coverage
Age-by-sex period life expectancy rows
Score use
Longevity score baseline
Used for baseline remaining life expectancy by age and sex.
Open public sourcelife expectancy measure uses 2021-2023 source years where available
Latest
2025/March 2026 supplemental release
Cadence
Annual or supplemental public health data releases
Coverage
31,183 location records; county deltas map through city county FIPS where available
Score use
Location-aware longevity adjustment
State and county life expectancy deltas adjust the SSA baseline.
Open public sourceSource snapshot 2026-07-04.
Latest
2024
Cadence
Annual CMS geographic variation public use file
Coverage
3,198 CMS state/county rows
Score use
Primary healthcare/LTC location adjustment when available
Normalizes Original Medicare standardized per-capita spending at state and county levels.
Open public sourcenational Medicare premium and deductible context for timing-gap education, not personalized cost advice
Latest
2026
Cadence
Annual CMS premium and deductible update
Coverage
National Medicare premium and deductible context
Score use
Healthcare/LTC explainer context
Used for education around Medicare timing and coverage gaps.
Open public sourceSource snapshot 2026-07-04; version public-refresh-2026-07.
Latest
2024 current release
Cadence
Annual BEA RPP release
Coverage
31,234 score adjustment rows; 31,183 location records
Score use
Inflation and housing/location adjustments
All-items and housing/rent RPP values normalize inflation and housing pressure.
Open public sourcefallback healthcare/LTC pressure proxy when CMS geographic data is unavailable
Latest
2024 fallback proxy
Cadence
Annual BEA RPP release
Coverage
Fallback state-level proxy, inherited by city rows
Score use
Healthcare/LTC fallback adjustment
Used only when CMS state/county healthcare signals are unavailable.
Open public source10-year volatility window recalculated from the latest downloaded state and county files
Latest
May 2026 current release
Cadence
Monthly BLS state and local unemployment releases
Coverage
31,234 score adjustment rows; state and county volatility maps to city rows by county FIPS
Score use
Market & sequence risk adjustment
10-year unemployment-rate volatility is a public proxy for local economic shocks.
Open public sourcetop marginal state individual income tax rates as of January 1, 2026
Latest
2026
Cadence
Annual filing-season tax policy refresh
Coverage
50 states + DC
Score use
Tax risk adjustment
Top marginal state individual income tax rates are normalized against the median.
Open public sourceA source can be current and still directional. Retirement decisions depend on household income, assets, health, taxes, housing, and timing, so public data is used to identify pressure points rather than make individualized recommendations.
