The Pre-Retirement/Retirement Checklist: How Prepared Are You?

Posted on

Sep 16, 2020

Getting ready for retirement or already in retirement? Before you cross that bridge, youll need to cross some important items off your to-do list. If weve been working together, you might be more prepared than you think! These ten crucial steps can help you visualize how far youve come.
Retirement Budget: Understand what your income will be, and how you can confidently spend the money you have accumulated for retirement.
Emergency Savings: Prepare for emergencies by saving at least 3 months living expenses and have that money easily available.
Tax Strategy: Have a sound tax strategy to guide you through the process of spending money from both taxable and tax-deferred accounts.
Lifestyle & Location: Consider where youll live, both short- and long-term. Have a plan for funding a move and understand the timing involved.
401k Strategy: Have a strategy for your 401(k) plan and determine the best time for you to access the money, based on your goals.
Bucket List: Write down your personal goals for your retirement years. Explore your dreams, priorities and values.
Extended Care: Make arrangements in the event that you or a loved one encounters a health issue requiring full-time care or assistance at home while recovering.
Estate Strategy: Develop an estate approach that includes how you want your assets to be allocated, and who will handle your estate.
Health Insurance: Understand your options with Medicare and define a strategy for covering health care expenses for the long haul.
Social Security Strategy: What works for someone else may not be best for you. Have a sound strategy that allows you to maximize what is available to you.
Not Quite Ready?
Have question particular to you, just reach out. Together, we can fine-tune these strategies so you can finish your checklist and get started on that bucket list.
This material was written by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with Waddell & Reed. Any opinions expressed and material provided are for general information and should not be considered a solicitation for the purchase or sale of any security. Copyright 2020 FMG Suite.
This article is provided by Anthony Cisneros CRPC, CRPS, Senior Vice President of RTI Wealth Management. He can be reached at 970-416-6082 acisneros@wradvisors.com. Anthony offers securities and investment products and services through Waddell & Reed, Inc. (WRI), member FINRA/SIPC. RTI Wealth Management is a separate entity from WRI. (09/20)

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        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#66seniorsbb_db_dev1.36msselect `books`.*, `bookeditionmapping`.`recordId` as `pivot_recordId`, `bookeditionmapping`.`bookId` as `pivot_bookId` from `books` inner join `bookeditionmapping` on `books`.`id` = `bookeditionmapping`.`bookId` where `bookeditionmapping`.`recordId` = 5980 and `bookeditionmapping`.`type` = 'article'
        Bindings
        • 0: 5980
        • 1: article
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:66
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#85seniorsbb_db_dev1.17msselect * from `listingcontacts` where `listingcontacts`.`listingId` = 5980 and `listingcontacts`.`listingId` is not null and `type` = 'article' and `primary` = 1 limit 1
        Bindings
        • 0: 5980
        • 1: article
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:85
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#85seniorsbb_db_dev1.09msselect * from `contacts` where `contacts`.`id` = 16225 and `contacts`.`id` is not null limit 1
        Bindings
        • 0: 16225
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:85
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#141seniorsbb_db_dev1.08msselect * from `listingattachment` where `listingattachment`.`listingId` = 5980 and `listingattachment`.`listingId` is not null and `type` = 'article' limit 1
        Bindings
        • 0: 5980
        • 1: article
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:141
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#146seniorsbb_db_dev1.13msselect * from `listingattachment` where `listingattachment`.`listingId` = 5980 and `listingattachment`.`listingId` is not null and `type` = 'article' limit 1
        Bindings
        • 0: 5980
        • 1: article
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:146
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#299seniorsbb_db_dev1.45msselect * from `listingattachment` where `listingattachment`.`listingId` = 15276 and `listingattachment`.`listingId` is not null and `type` = 'article' and `primary` = 1 limit 1
        Bindings
        • 0: 15276
        • 1: article
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:299
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#299seniorsbb_db_dev1.42msselect * from `listingattachment` where `listingattachment`.`listingId` = 15263 and `listingattachment`.`listingId` is not null and `type` = 'article' and `primary` = 1 limit 1
        Bindings
        • 0: 15263
        • 1: article
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:299
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 3968f797b22a9c6b17ff202289cdb425.php#299seniorsbb_db_dev1.38msselect * from `listingattachment` where `listingattachment`.`listingId` = 15147 and `listingattachment`.`listingId` is not null and `type` = 'article' and `primary` = 1 limit 1
        Bindings
        • 0: 15147
        • 1: article
        • 2: 1
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/3968f797b22a9c6b17ff202289cdb425.php:299
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      • 6162bf581736fa7f4e9b70a52a1034b4.php#2seniorsbb_db_dev1.86msselect * from `articles` where `articles`.`deleted_at` is null order by `id` desc limit 3
        Backtrace
        • var/www/html/sbb/shared/storage/framework/views/6162bf581736fa7f4e9b70a52a1034b4.php:2
        • vendor/laravel/framework/src/Illuminate/Filesystem/Filesystem.php:124
        • vendor/laravel/framework/src/Illuminate/View/Engines/PhpEngine.php:58
        • vendor/livewire/livewire/src/Mechanisms/ExtendBlade/ExtendedCompilerEngine.php:22
        • vendor/laravel/framework/src/Illuminate/View/Engines/CompilerEngine.php:75
      App\Models\Article
      7Article.php#?
      App\Models\ArticleCategory
      3ArticleCategory.php#?
      App\Models\ListingAttachments
      3ListingAttachments.php#?
      App\Models\Category
      1Category.php#?
      App\Models\ListingContacts
      1ListingContacts.php#?
      App\Models\Contact
      1Contact.php#?
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          #12025-07-08 22:33:28GET/articles/the-pre-retirement-retirement-checklist-how-prepared-are-you41816