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Retirement Conversation Assessment

A retirement conversation assessment for couples can help partners discuss their expectations, goals, and concerns about retirement. Here’s a brief outline for conducting such an assessment. The purpose is to facilitate a constructive dialogue about retirement, align expectations, and strengthen the shared retirement vision.

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 21

Do you have a clear understanding of your retirement income sources, including pensions, Social Security, and investments?

A

YES

B

NO

Question 2 of 21

Have you created a budget for your retirement lifestyle, including expected expenses and leisure activities?

A

YES

B

NO

Question 3 of 21

Have you achieved your retirement savings goals, or are you still on track to meet them?

A

YES

B

NO

C

I don't know

Question 4 of 21

Have you evaluated your healthcare needs and planned for potential medical expenses during retirement?

A

YES

B

NO

Question 5 of 21

Are you debt-free, or do you have a plan to pay off any remaining debts before retiring?

A

YES

B

NO

Question 6 of 21

What does your ideal retirement look like in terms of activities, travel, and hobbies? Explain below

Question 7 of 21

Have you thought about how you will maintain social interactions and relationships after leaving the workforce? Explain below

Question 8 of 21

Have you decided where you want to live in retirement, and have you considered the costs and implications of that choice? (explain below)

Question 9 of 21

Do you plan to work in some capacity during retirement, either part-time or on a freelance basis? (explain below)

Question 10 of 21

Have you considered the tax implications of your retirement income and how to manage them effectively?

A

YES

B

NO

Question 11 of 21

Do you have a comprehensive estate plan in place, including wills, trusts, and other legal documents?

A

YES

B

NO

C

I don't know

Question 12 of 21

Have you discussed long-term care options and possible insurance policies to cover future needs?

A

YES

B

NO

Question 13 of 21

Are you comfortable with your current investment strategy and how it aligns with your risk tolerance during retirement?

A

YES

B

NO

C

Not Sure

Question 14 of 21

Have you established an emergency fund to cover unexpected expenses in retirement?

A

YES

B

NO

Question 15 of 21

Have you discussed the ideal timing for retirement, and how it fits with your financial situation?

A

YES

B

NO

Question 16 of 21

 What personal goals do you want to achieve in retirement, and how do you plan to pursue them? (explain below)

Question 17 of 21

Have you set aside funds for travel and leisure activities during retirement, and do you have destinations in mind? (explain below)

Question 18 of 21

How do you plan to involve family members in your retirement, and how might their needs affect your plans? (explain below)

Question 19 of 21

Are you interested in volunteering or giving back to the community, and how much time are you willing to dedicate to that? (explain below)

Question 20 of 21

How frequently do you commit to discussing your retirement plans and any changes as you both enter this new phase of life? (explain below)

Question 21 of 21

What is your biggest concern with retirement planning? (explain below)

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