Educational PurposeThis guide is intended for educational purposes only. The questions below are designed to encourage thoughtful retirement planning conversations. They are not financial, legal, tax, insurance, or investment advice.
Asking thoughtful questions before making major decisions can help you prepare financially, emotionally, and practically. Use this guide to reflect on your retirement goals and identify topics you may want to discuss with your spouse, family, or qualified professionals.
Your Retirement Vision
Before focusing on numbers, think about the life you hope to live.
- What does my ideal retirement look like?
- Why do I want to retire?
- What will give my retirement purpose?
- What activities do I hope to enjoy?
- Where do I want to spend most of my time?
- What kind of daily routine do I imagine?
- What does financial peace of mind mean to me?
Retirement Timing
Consider your retirement timeline.
- When do I hope to retire?
- Why have I chosen that age?
- Could I retire sooner or later if needed?
- Would phased or part-time retirement work better?
- How might my retirement date affect my financial plans?
Income Planning
Understanding retirement income is essential.
- What income sources will support my retirement?
- How reliable are those income sources?
- Have I estimated my monthly retirement income?
- Will my income likely cover my expected expenses?
- Have I reviewed my retirement accounts recently?
- Do I understand how Social Security fits into my plan?
Spending & Lifestyle
Your lifestyle will influence your retirement needs.
- What will my monthly expenses likely be?
- Which expenses may decrease?
- Which expenses may increase?
- Have I considered inflation?
- Have I planned for emergencies?
- Am I carrying debt into retirement?
Healthcare Planning
Healthcare deserves careful consideration.
- How will I obtain healthcare coverage?
- Have I estimated future healthcare costs?
- Have I considered prescription medication expenses?
- Have I planned for dental, vision, and hearing care?
- Have I considered long-term care needs?
Family Conversations
Retirement affects more than one person.
- Have I discussed retirement goals with my spouse or partner?
- Will I provide financial support to family members?
- Have I discussed caregiving expectations?
- Are my loved ones aware of my retirement plans?
Housing
Think about where retirement will happen.
- Will I remain in my current home?
- Should I downsize?
- Would I relocate?
- How will housing costs affect retirement?
- Is my home suitable for aging in place?
Legacy Planning
Looking beyond retirement.
- Do I have an updated will?
- Have I reviewed beneficiary designations?
- Do I have powers of attorney in place?
- What legacy do I hope to leave?
- Have I discussed my wishes with my family?
Personal Readiness
Money is only one part of retirement.
- What will bring me fulfillment?
- How will I stay socially connected?
- How will I maintain my physical health?
- What hobbies would I like to pursue?
- How will I continue learning and growing?
Annual Review Questions
Even after retirement begins, continue asking:
- Does my retirement plan still reflect my goals?
- Has my financial situation changed?
- Have my healthcare needs changed?
- Has inflation affected my spending?
- Do I need to adjust my retirement budget?
- When should I schedule my next retirement review?
Identify three priorities
- Priority #1 — Target Date: ______________________
- Priority #2 — Target Date: ______________________
- Priority #3 — Target Date: ______________________
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Educational Disclaimer: This material is provided for educational purposes only and should not be interpreted as financial, insurance, legal, tax, or investment advice. Individual circumstances vary. Consult qualified professionals before making financial or insurance decisions.