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- What is my projected retirement date, and does it align with my goals?
- Have I accounted for different retirement phases (early, mid, and late) in my financial plan?
- What is my estimated annual retirement income requirement?
- Have I considered inflation and potential increases in the cost of living in my future income projections?
- What sources of income will fund my retirement (Social Security, pensions, investments, savings)?
- How is my investment portfolio diversified across different asset classes (stocks, bonds, real estate, etc.)?
- What is my investment strategy, and how does it align to my risk tolerance and time horizon?
- What provisions have I made to cover healthcare expenses in retirement, including premiums, out-of-pocket costs, and potential long-term care?
- Do I have a Health Savings Account (HSA) or long-term care insurance, and how do they fit into my overall plan?
- What is my plan for withdrawing funds from my retirement accounts, and have I calculated a sustainable withdrawal rate?
- Have I accounted for required minimum distributions (RMDs) and the tax implications associated with them?
- Do I have an emergency fund that can cover unexpected expenses (currently and in retirement)?
- What insurance policies (health, long-term care, life, disability) do I have in place to protect my financial plan?
- Have I created or updated my will, power of attorney, and healthcare directives?
- Have I set up trusts or other mechanisms to efficiently transfer wealth to my heirs?
- Have I considered the estate tax implications and planned accordingly to minimize tax liabilities?
- What is my strategy for claiming Social Security benefits, and how does it maximize my lifetime benefits?
- Have I considered the impact of spousal or survivor benefits as part of my Social Security Strategy?
- Have I included charitable giving or philanthropic goals in my financial plan?
- What strategies (donor-advised funds, charitable remainder trusts) have I implemented to achieve these goals efficiently?