Retirement Readiness Checklist

retirement planning

Ensure you are on track for a comfortable retirement with this comprehensive checklist.

1

Calculate your retirement number

Estimate annual expenses x 25 for a 30-year retirement.

2

Maximize retirement account contributions

401(k): $23,500 (2025), IRA: $7,000 ($8,000 if 50+).

3

Review your asset allocation

Shift toward more conservative investments as you approach retirement.

4

Plan your Social Security claiming strategy

Consider spousal benefits and the impact of claiming at 62 vs 70.

5

Consider guaranteed income sources

Fixed Index Annuities can provide guaranteed lifetime income.

Learn About Annuities →
6

Estimate healthcare costs in retirement

Average couple needs $315,000 for healthcare in retirement.

7

Create a withdrawal strategy

Determine the optimal order of withdrawals from taxable, tax-deferred, and tax-free accounts.

Need Help Completing This Checklist?

Our licensed agents can guide you through every step.

Get Free Guidance

Disclaimer: This content is for educational and informational purposes only and does not constitute financial, legal, or tax advice. Products and services mentioned may not be available in all states. All insurance products are subject to underwriting and policy terms. Consult a licensed professional for advice specific to your situation.