Retirement Readiness Scorecard

This worksheet helps you estimate your current retirement readiness.

By entering a few basic numbers, you can quickly see whether your current savings and projected income may support the lifestyle you want in retirement. This is not a test, and there are no right or wrong answers.

✔ Takes about 3 minutes to complete

✔ No personal information is collected

✔ Your results remain private to you

You may choose to discuss your results with a financial professional, but this worksheet is simply an educational self-assessment.

At the end, you will compare your estimated retirement income with your expected retirement expenses to see whether you may have a surplus, a shortfall, or a balanced retirement plan.

Disclaimer for Retirement Readiness Checklist: Educational Use Only

This checklist and worksheet are provided for educational purposes to help individuals think about common elements of retirement planning. They are not intended to provide specific financial, tax, legal, or investment advice.

Every individual’s financial situation is unique, and decisions regarding retirement planning should be made in consultation with appropriately licensed professionals who understand your personal circumstances.

Completion of this checklist does not create a client relationship with ProEx Advisors or Katherine Rivette.

Consider Your Basic Retirement Timeline

Current Age

Desired Retirement Age

Life Expectancy Assumption

I have considered how lifestyle changes may affect my retirement needs.

Notes on Retirement Timeline

Do You Know the Value of Your Total Current Retirement Assets

401(k) / 403(b) / TSP

Traditional IRA

Roth IRA

Brokerage / Investments

Savings / Cash

Real Estate Equity

Other Assets

Total Estimated Assets

Sources of Retirement Income

Social Security

Pension

Investment Withdrawals / Distributions

Rental Income

Other Income

Estimated Monthly Living Expenses in Retirement

Housing

Food

Healthcare

Insurance: Home

Insurance: Life

Insurance: Car

Insurance: Other

Travel & Entertainment

Lifestyle

Memberships & Affiliations

Other Expenses

Market Risk Awareness

I understand how market downturns could affect my retirement income.

I know how much of my retirement savings is exposed to market volatility.

I have considered strategies that may help reduce downside exposure.

Tax Planning

I understand how withdrawals from retirement accounts will be taxed.

I know when Required Minimum Distributions (RMDs) begin.

I have considered tax diversification strategies.

Notes on Tax Planning

Longevity Planning

I have considered how long my savings may need to last.

I have thought about healthcare costs during retirement.

I have discussed long-term care considerations.

Notes on Longevity Planning

Organization of Assets

I understand the role of each of my retirement accounts.

I know which funds are intended for growth, safety, and income.

My plan does not rely on a single strategy.

Notes on Organization of Assets

Reflection Questions

Where do you feel most confident about your retirement planning?

Where do you feel uncertain or concerned?

What questions would you like answered about your retirement options?

If Your Projected Income Is

Greater than your expected expenses: you may be on track for retirement.

Close to your expected expenses: small adjustments could significantly improve your retirement outlook.

Less than your expected expenses: additional savings or planning strategies may be needed.

Self-Assessment Notice

This checklist is a personal self-assessment, self-reflection tool.

No personal information is collected when completing it, and your responses remain private.

If you would like to explore your retirement options in more detail or want help interpreting your results, we suggest you print this page and schedule a consultation using the separate consultation form available through ProEx Advisors https://proexadvisors.com/ or by clicking on this link https://tally.so/r/9qWxjX.

This material is provided for educational purposes only and does not constitute financial, tax, or legal advice