Source snapshot
RetirementRiskIQ uses public, defensible data sources and labels proxy inputs where a more direct public dataset is still being added. The September 2026 source snapshot refreshes BLS LAUS through July 2026 and shows next expected refresh windows for monthly and annual sources.
View September risk indexScoring corrected September 26, 2026. A measured zero adjustment maps to 50 for the five cost and pressure pillars. Missing inputs receive no score; all six pillars are required for a composite and ranking. Earlier scores that used a name-based fallback are not comparable to this corrected release.
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
Next refresh
Next Trustees Report table refresh after SSA publishes a newer current period table.
Used for baseline remaining life expectancy by age and sex.
Open public sourcelife expectancy measure uses 2021-2023 source years where available; CHR&R says March 2026 was the latest broad update and there will not be a typical 2026 annual release
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
Next refresh
No typical 2026 annual release; preserve public files before CHR&R site availability changes after December 2026.
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
Next refresh
Monitor annual CMS public use file updates; current scoring layer remains 2024.
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
Next refresh
Next annual Medicare premium and deductible update after CMS publishes 2027 context.
Used for education around Medicare timing and coverage gaps.
Open public sourceSource snapshot 2026-09-06; version public-refresh-2026-09.
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
Next refresh
December 10, 2026.
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
Next refresh
December 10, 2026, with the next BEA RPP release.
Used only when CMS state/county healthcare signals are unavailable.
Open public source10-year volatility window recalculated from July 2026 state and county files; August 2026 state data is scheduled for September 18, 2026 and metro/local data for September 30, 2026
Latest
July 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
Next refresh
August 2026 state release: September 18, 2026; metro/local release: September 30, 2026.
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
Next refresh
2027 filing-season state tax update.
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.
