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Retirement Readiness Assessment

Are you prepared for your biggest life event? Retirement planning is completely voluntarily, if you choose to wait or not do it at all, there are consequences. This 16 question assessment will provide insight on how well you understand the different elements of a retirement plan.

 

Securities offered through Registered Representative of Cambridge Investment Research, Inc. a Broker/Dealer, Member FINRA/SIPC. Advisory services through Cambridge Investment Research Advisors, Inc., a Registered Investment Advisor. Cambridge and Jarmosco Financial Advisory are not affiliated. Cambridge does not offer tax or legal advice. Fixed insurance services offered through Jarmosco Financial Advisory

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Question 1 of 16

Do you have clearly written retirement goals?

A

YES

B

NO

Question 2 of 16

Do you fear running out of money in retirement?

A

YES

B

NO

Question 3 of 16

Do you know how much money you need to retire?

A

YES

B

NO

Question 4 of 16

Do you understand how a basic estate plan fits into your retirement plan?

A

YES

B

NO

Question 5 of 16

Have you done an analysis to determine most optimal age to start social security income?

A

YES

B

NO

Question 6 of 16

Have you done the analysis to decide if Roth conversions provide less taxes to be paid and build long-term wealth?

A

YES

B

NO

Question 7 of 16

Do you have your retirement assets best positioned to be inherited tax efficiently?

A

YES

B

NO

Question 8 of 16

Do you have a clear vision on what retirement will look like?

A

YES

B

NO

Question 9 of 16

Do you have a strategy to withdraw income from retirement assets tax efficiently?

A

YES

B

NO

Question 10 of 16

Do you understand how retirement income impacts medicare premiums?

A

YES

B

NO

Question 11 of 16

Do you know how much income you'll need during retirement?

A

YES

B

NO

Question 12 of 16

Do you understand required minimum distributions?

A

YES

B

NO

Question 13 of 16

Do you know how the earnings test will affect social security income?

A

YES

B

NO

Question 14 of 16

Do you know how to research and build a risk/return portfolio through your retirement years (25-35 years)?

A

YES

B

NO

Question 15 of 16

Do you have the resources to find your risk tolerance in order to build a stock/bond retirement portfolio? 

A

YES

B

NO

Question 16 of 16

Do you have a retirement plan that takes inflation and longevity risk into consideration?

A

YES

B

NO

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