Broker Check

You're in the final year before retirement...What should you be doing?  

The countdown has begun. Not certain you're fully prepared? Our 3-step process will make sure you're ready. 

1. Goals Alignment

As you look forward to retirement, it's wise to take a step back to understand what matters most to you in retirement.  

Start by asking yourself these questions:  

  • What am I retiring to? (i.e. relaxation, volunteering, family, community)
  • How will I maximize my talents and gifts in retirement?
  • Am I exhausted or do I have a lot in the tank? 
  • What's on my bucket list? 
  • What am I concerned about in retirement? 

2. Resource Assessment 

If you're within a year of retiring, you should know how much monthly income you need and where it will come from. We run a cash flow forecast, answering:    

  • Should I be worried about about running out of money?  
  • How significant is my sequence of return risk? 
  • Should I be nervous about the markets?   
  • Which Social Security strategies should I consider?  
  • What are some tax-efficient ways to withdraw retirement income? 


3. Benefits Analysis

Benefits and Risks go hand in hand. We help you answer questions like:  

  • Should I continue any of my employer insurance?
  • Do I still need life insurance? 
  • When do I need to apply for Medicare?  
  • How do I evaluate Medicare supplement options?  
  • How does my mortgage affect retirement? 
  • Do I have enough set aside for Long Term Care? 
  • Care options for my aging parents? 

(Don't worry, this isn't an insurance pitch!)