1. What brought you here today? Choose the one that best describes what you’re looking for right now.

I want to know if I’m on track for retirement

I’m concerned about taxes or tax efficiency

I want my investments to keep growing appropriately through retirement

I want to better protect my family, income, or financial plan

I want to create or improve my legacy plan

I want to know how prepared I am to turn my savings into reliable retirement income.

I have accounts, policies, or strategies in different places and I’m not sure how everything fits together

I’m not sure where to start - I just want more financial clarity

2. Which statement best describes how you currently feel about your retirement strategy?

I feel confident and well coordinated

I’m doing many things right, but I’m not sure they’re working together

I have a plan, but I’m not fully confident in it

I know there are gaps or decisions I’ve been putting off

I’m not really sure where I stand, and I want more clarity

3. Which of these concerns is most important for you to address as you prepare for or navigate retirement?

Having enough income to support the life I want throughout retirement

Market volatility or losing money at the wrong time

Taxes reducing what I’m able to keep or pass on

Making sure my investments are positioned appropriately for retirement

Protecting my family or income if something unexpected happens

Healthcare or long-term care costs

Passing wealth efficiently to the people or causes I care about

Making sure all of my retirement decisions are actually working together

I’m not sure what I should be concerned about yet

4. If an unexpected need or opportunity arose tomorrow, how confident are you that you could access the cash you need without materially disrupting your retirement strategy?

Very confident - I maintain dedicated liquid reserves and know what they’re intended to cover

Fairly confident - I have accessible savings, although I’m not sure whether the amount is ideal

Somewhat confident - I could manage it, but I may need to move money around

Not very confident - I would likely need to use credit or tap longer-term assets

I don’t currently have a dedicated liquidity strategy

5. Which statement best describes how you currently manage your cash reserves?

I maintain a specific reserve target based on my household needs and review it periodically

I keep a comfortable amount available, but I haven’t calculated a specific target

My cash balance varies and I’m not always sure how much I should keep available

Most of my available cash is already committed to upcoming expenses, leaving limited reserves beyond that

I don’t currently maintain a dedicated cash reserve

6. Which statement best describes how you currently position money you may need within the next 1–5 years?

I intentionally separate near-term cash from long-term investments based on when I expect to need the money

I generally keep near-term money conservative, although I don’t follow a formal strategy

Some money I may need soon is invested, and I’m not sure whether the level of risk is appropriate

I tend to keep more cash than I probably need because I’m unsure where else it should go

I haven’t really separated my short-term and long-term money by purpose

7. Which statement best describes your confidence in the long-term reliability of your retirement income plan?

Very confident - I understand where my income will come from and how it is expected to change over time

Fairly confident - I have several income sources, but I have not fully tested how they work together

Somewhat confident - I know my current income, but I’m less certain about future income needs or changes

Not very confident - I’m concerned my retirement income may not be enough or may depend too heavily on one source

I don’t currently have a clear retirement income strategy

8. How prepared do you feel for the transition from your current income to retirement income?

Very prepared - I have modeled the transition and understand how my retirement income sources will replace or supplement what I earn today.

Fairly prepared - I have a general plan, but some timing or income decisions still need to be coordinated.

Somewhat prepared -I’ve thought about it, but I haven’t built a detailed retirement income transition strategy.

Not very prepared - I expect my income to change in retirement, but I’m unclear about how the pieces will work together afterward.

I haven’t really planned for the transition to retirement income yet.

9. How clearly have you defined the amount of income your retirement lifestyle will require over time?

Very clearly - I understand what my lifestyle costs today and have incorporated future retirement income needs into my strategy.

Fairly clearly - I understand my current needs, but I haven’t fully modeled how they may change in retirement.

Somewhat clearly - I have a general idea, but I haven’t calculated a specific retirement income target.

Not very clearly - I know what I spend today, but I’m unsure what level of income I’ll need in retirement.

I haven’t really defined my retirement lifestyle income needs yet.

10. Which statement best describes how intentionally your investments are aligned with your retirement goals?

My investments are intentionally structured around specific retirement goals, timelines, and risk considerations

I have an investment strategy and understand the general purpose of my accounts, though I’m not sure everything is fully coordinated for retirement

I’m invested, but I’m not sure whether my overall allocation is truly aligned with my retirement goals

My investments have accumulated over time without much coordination between accounts

I don’t currently have a clear retirement investment strategy.

11. Which statement best describes your understanding of the risk in your current retirement investment strategy?

I understand my overall risk exposure and how my portfolio is expected to behave in different market environments.

I understand the general level of risk I’m taking, although I haven’t reviewed it closely in a while.

I know some investments are more aggressive than others, but I’m not sure how much risk I’m taking overall.

I’m concerned that a significant market decline could materially disrupt my retirement goals.

I’m not really sure how much risk is built into my current retirement investments.

12. Which statement best describes how coordinated your retirement investments are across different accounts or institutions?

My investments are reviewed together as one overall retirement portfolio and intentionally coordinated

Most of my accounts are coordinated, although some are still managed or reviewed separately

I have several investment accounts, but I’m not sure how well they complement each other

My accounts have accumulated over time and are mostly managed independently.

I don’t currently have a clear view of how my retirement investments work together.

13. Which statement best describes how confident you are that your current protection strategy could handle a major unexpected event during retirement?

Very confident — my protection needs have been reviewed as part of my overall retirement strategy

Fairly confident — I have coverage in place, although I’m not sure whether everything is still appropriate for retirement

Somewhat confident — I have some protection, but I know there may be gaps.

Not very confident — a major illness, disability, death, or unexpected expense could materially disrupt my retirement plan.

I haven’t really evaluated my protection needs as part of my retirement strategy.

14. Which statement best describes how prepared you are if your household income were materially reduced or stopped unexpectedly before or during retirement?

Very prepared - we have intentionally planned for income interruption and understand how our obligations would continue to be funded.

Fairly prepared - we have some safeguards in place, although I’m not sure they would fully cover our needs.

Somewhat prepared - we could manage for a period of time, but a longer interruption would create financial pressure.

Not very prepared - a major loss of income would materially affect our lifestyle or long-term goals.

I haven’t really evaluated how an income interruption could affect our retirement plan.

15. How prepared do you feel for the financial impact of a major health event or an extended need for care?

Very prepared - this risk has been intentionally addressed within my broader retirement strategy.

Fairly prepared - I have some resources or coverage in place, although I’m not sure whether they are sufficient

Somewhat prepared - I expect my savings or other assets could help, but I haven’t modeled the potential impact

Not very prepared - a significant health or care expense could materially affect my retirement plan.

I haven’t really evaluated how a major health or care event could affect my retirement plan.

16. Which statement best describes how confident you are that your assets would transfer according to your wishes as part of your retirement and legacy plan?

Very confident - my estate documents, beneficiary designations, and financial accounts have been intentionally coordinated.

Fairly confident - I have planning documents and beneficiaries in place, although I’m not sure everything has been reviewed recently.

Somewhat confident - I have some estate planning in place, but I’m not sure all of my accounts and documents are aligned.

Not very confident - I know there are beneficiary, estate, ownership, or transfer decisions that still need attention.

I haven’t really coordinated how my assets would transfer as part of my retirement and legacy plan.

17. How confident are you that the people who may someday need to carry out your wishes understand your plan and know where to turn?

Very confident - the appropriate people understand my wishes, key documents, responsibilities, and where important information can be found.

Fairly confident - we’ve discussed the major pieces, although some details may still need clarification.

Somewhat confident - a few people know parts of the plan, but there hasn’t been a coordinated conversation.

Not very confident - my family or other key people would likely need to figure out much of the plan without clear guidance.

I haven’t really communicated my retirement and legacy intentions yet.

18. How intentionally are taxes considered in your retirement strategy?

Taxes are proactively considered as part of my overall retirement strategy.

I discuss taxes periodically, although most planning happens separately from my broader retirement strategy.

Tax considerations are addressed by different professionals, but they haven’t been coordinated into one overall strategy.

I mostly think about taxes when it is time to file my return.

I’m not really sure how taxes are affecting my broader retirement strategy.

19. About how much do you currently have across savings, retirement, and investment accounts that could be part of your retirement strategy?

20. Which statement best describes your current relationship with financial professionals?

I work with a primary advisor or planning team that coordinates most areas of my retirement strategy.

I work with an advisor, but I’m not sure all areas of my retirement strategy are being addressed together.

I work with multiple professionals, but they mostly operate independently

I occasionally seek professional advice, but I largely manage financial decisions myself

I’m not currently working with a financial advisor or planning professional

22. Which statement best describes where you are right now?

I’m primarily exploring and want to better understand my options.

I know there are areas I should address, but I’m still deciding what to do.

I’m actively evaluating strategies or advisors and expect to make decisions within the next several months.

I have specific retirement decisions that need attention soon.

I’m ready to take action if I find the right retirement strategy and advisory relationship.

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