Ready Aim Retire was created by two lifelong retirement planning enthusiasts who believe something simple but powerful.
Start Planning for FreePeople make better decisions when they truly understand their own plan. Not just the outcome - but the why behind it.
In 2010, long before modern retirement tools became readily available, Stephen Gower built the first version of a retirement planning system for his own use.
Like many thoughtful planners, he found that:
Spreadsheets were fragile and hard to maintain
Professional-grade software was powerful, but inaccessible
Most tools answered "Will this work?" — without helping people understand why
So Stephen did what engineers and planners often do: he built something better.
That original system focused on clarity, flexibility, and seeing the full picture over time — not just producing a single answer.
In 2025, Stephen teamed up with Ross Williams to reimagine and rebuild the platform from the ground up - this time with a much bigger goal.
To make sophisticated retirement planning accessible to DIY planners everywhere. Together, they created OnTarget™ - a modern, intuitive retirement planning tool designed for people who want to:
Whether you're years from retirement or already living it.
Builder. Systems thinker. Retirement modeler.
Stephen has spent decades thinking deeply about how money, time, and uncertainty interact over a lifetime. He brings a long history of building thoughtful financial models and a belief that good tools should reveal insight, not hide it.
His work has always focused on accuracy, transparency, and helping people see the full arc of their financial lives — not just short-term projections.
Educator. Advocate. Plain-English communicator.
Ross has built his career helping individuals navigate complex financial decisions with clarity and confidence. He is deeply passionate about financial literacy and believes that people should never feel intimidated by the tools meant to help them.
Ross brings a user-first mindset to Ready Aim Retire - ensuring that the platform speaks plain English, stays practical, and always serves the person using it.
We believe:
Ready Aim Retire exists to give people the tools, insight, and confidence to actively participate in their own journey toward financial independence and freedom.
Not by promising certainty - But by helping you understand your path.
Helping people see their future - and plan it with confidence.
Our mission is to promote financial literacy and provide powerful yet approachable tools that allow individuals to:
We don't believe in one-size-fits-all plans. We believe in informed choices.
OnTarget™ was built for you - the thoughtful, engaged planner who wants clarity, control, and confidence in the years ahead.
If you care enough to plan, you deserve tools that turn your plan into reality.
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