Are You Truly Ready to Retire?

Most people plan for the wedding, but not the marriage. Let's check your financial and emotional readiness.

First, who are we building this plan for?(Required)

Where should we send your Readiness Report?(Required)

How clearly have you defined your retirement budget?

I have a detailed spreadsheet of expenses.

I have a rough idea (70-80% of current income).

I haven't really crunched the numbers yet.

What is your current debt status?

I am completely debt-free, including my mortgage.

I have no high-interest debt (credit cards), but I still have a mortgage or low-interest car loan.

I have significant high-interest debt or a mortgage that will last well into retirement.

Beyond the money, do you have a plan for how you will spend your time?

Yes, I have hobbies, volunteering, or work lined up.

I plan to relax and figure it out later.

Honestly, the boredom scares me a little.

How much do you have saved for retirement?

$1,000,000+

$500,000 - $1,000,000

Less than $500,000

What is your expected retirement horizon?

30 years

20 years

10 years

Do you have a strategy for healthcare and Long-Term Care costs?

Yes, I have insurance or dedicated assets for this.

I'm relying on Medicare alone.

I haven't planned for this yet.

Will your portfolio support you lifestyle in retirement?

Yes, my portfolio is at least 25x my expected annual expenses.

I'm close (15x-20x) or expect to be there by my retirement date.

No, I am well below 15x my expected annual expenses.

How are you currently invested?

Aggressive or moderate (high stock allocation and incorporating bonds as you get closer to retirement).

High risk (either all stocks or all cash)

I don't know how my portfolio is invested.

What is the makeup of your retirement accounts?

I have a strong Roth bucket (Roth IRA/401(k)).

I am heavy in Traditional accounts (Traditional IRA/401(k)), meaning I will owe income tax on every dollar I withdraw.

I don't have any tax-advantaged retirement accounts, or I don't know the difference.

Have you stress-tested your portfolio against a major market downturn?

Yes, and I'm comfortable with the results.

I think I'm diversified, but I'm not sure.

No, a market crash worries me deeply.

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