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What's my Risk?
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Personalized Life Planning
Social Security Optimization
Have you checked your monthly benefit amount at full retirement age?
Do you know your full retirement age?
Have you completed an analysis to determine the optimal time to take Social Security?
Will you be impacted by the Windfall Elimination Provision (WEP) or Government Pension Offset (GPO)?
Do you know how to apply for Social Security benefits?
Have you created a retirement plan and run it against scenarios to ensure you will not run out of money during retirement?
Are you currently following the steps that plan requires?
Have you made plans to create an "income stream" in retirement?
Do you have a tax-optimized distribution strategy?
Do you have a budget that works for you?
Do you know your credit score?
Are you saving 10% or the amount required to reach your financial goals?
Do you have three to six months of living expenses saved?
Do you review your budget regularly?
In the past six months, have you looked at your budget for ways to reduce spending?
Employer-Sponsored Retirement Plan
Do you contribute to a defined contribution plan (IRA, 401(k), 403(b), etc.)?
Do you know the maximum allowed contribution and are you making it?
Are you contributing enough to get 100% of any company match?
Are your investments (asset allocation) aligned with your risk tolerance?
Do you review your investments/plan at least two times per year?
Will there be an income gap for your family if there is an unexpected death?
Do you have life insurance?
If you have life insurance, is it the right policy?
Do you know how much life insurance you need?
Do you know the key factors of how to select the best insurance?
Do you review your life insurance policy annually?
Do you have long-term care insurance?
Do you have a family history of health issues?
If care is required, do you have a plan?
Does your current portfolio support the cost of care?
Do you know the "right" time to buy long-term care?
Do you know where and how to purchase a long-term care policy?
Are your healthcare costs in retirement currently part of your financial plan?
Do you know when and how to enroll in Medicare?
Do you understand the different Medicare Supplemental Insurance coverage options ( Medigap vs. Medicare Advantage)?
Do you know how much supplemental insurance coverage will cost you in retirement?
Have you estimated your out-of-pocket medical expenses in retirement?
Are your taxable accounts managed in a tax-optimized way (e.g., tax-efficient selling)?
Are you making contributions to an employer-sponsored retirement plan or IRA?
Have you considered making Roth IRA contributions to reduce future tax liability?
Are you minimizing your tax liabilities through charitable donations, a mortgage or other strategies?
Have you determined who should get what you own when you die?
Have you determined who should be in charge when you can't make your own decisions?
Do you have minor children? If so, have you determined who should care for them when you can't?
Have you legally documented these decisions?
Have you updated your estate plan and asset titles in the last two years?
Do your beneficiaries and the people you've nominated to be in charge know what to do if something happens to you?
Education and College Planning
Do you plan to help pay for your kids' or grandkids' college?
Do you know how much they will need?
Have you started saving for their education?
Have you shared your plans with your children?
Have you explored financial aid or scholarship