Questions:

Have you lost money in the stock market or on mutual funds in the past five years?

Are you concerned about the amount of risk you are currently taking with your retirement assets?

Do you pay taxes on your current Social Security income?

Do you rely on Social Security benefits for most of your income?

Are you concerned about your family’s future financial well-being?

If you died tomorrow, would your spouse lose more than 20% of the current household income?

Are you concerned about the costs associated with long-term care and the financial effects it may have on your retirement assets?

Have you gifted any amount to your children, church or a charity in the past five years?

Do you own a variable annuity?

Do you currently use your variable annuity as a source of income?

Are you concerned that you will someday outlive the money you have saved for retirement?

Did you retire early, or were you laid off before you were ready to retire?

Has it been more than 90 days since you last met your financial professional in person?