Tools & Resources
Retirement Income Checklist
A practical, step-by-step retirement income checklist — to help you make sure your plan is complete before you stop earning a paycheck.
Estimate Your Real Expenses
List essential expenses (housing, food, healthcare, insurance, utilities) and discretionary expenses (travel, hobbies, gifts) separately.
Add Up Guaranteed Income
Sum up Social Security, pensions, and any annuity income. Compare to essential expenses — this reveals your guaranteed income gap.
Plan Your Withdrawal Strategy
Decide which accounts to draw from first and how much annually. Coordinate with tax planning and Roth conversion opportunities.
Stress-Test the Plan
Model bad sequence-of-returns scenarios, longer-than-expected lifespans, and inflation surprises. A plan that survives those is one you can live with.
Review Annually
Markets, tax laws, and your life all change. A yearly review keeps the plan honest and aligned with your real situation.