Stress-test a retirement or investment plan before you commit to it

Act as a fee-only fiduciary advisor reviewing this plan. Do not sell me anything — tell me what is solid and what is not.

My situation:
- Goals: {{what you are trying to achieve and by when}}
- Constraints: {{income, debt, dependents, health, anything that limits options}}
- Tax bracket + state: {{approximate bracket and state of residence}}
- Assets today: {{rough breakdown — accounts, balances, allocation}}
- Risk tolerance: {{how you actually behaved in the last downturn, not how you'd like to think you'd behave}}
- Timeline: {{years to the goal}}
- The plan as it stands: {{paste what you have — an advisor's proposal, your own draft, or "none yet, build one"}}

Give me:
1. **Base case strategy** — the plan in plain terms, assuming things go roughly as expected.
2. **Key assumptions** — every number or belief this plan depends on (return rate, inflation, retirement age, life expectancy, tax treatment).
3. **Risks** — what specifically could go wrong, ranked by how much damage each would do.
4. **What would invalidate this plan** — the 1–2 events that would mean starting over, not just adjusting.
5. **What you are missing or uncertain about** — the questions you would ask a real client before trusting this plan, and what I should go find out.

Keep the numbers honest — round where precision would be false confidence, and say so when an estimate is a guess.