Resource Library
Guides for Retirement and Financial Decisions
Practical, educational worksheets and checklists covering the decisions people most often face in the years around retirement. Each one is useful whether or not we ever speak.
Category
Retirement readiness
The Year-Before-Retirement Checklist
A month-by-month view of the decisions and paperwork that often come up in the twelve months before employment income changes.
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Retirement income
Retirement Income Gap Worksheet
Separate essential spending from lifestyle spending, list your expected income sources, and see where questions may remain before you choose an income strategy.
Get the Guide7 Questions to Ask Before Choosing a Retirement Income Strategy
A short list of questions that can help you compare approaches to funding retirement spending without focusing on any single product.
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Taxes and distributions
RMD and Retirement Withdrawal Planning Checklist
Prepare for conversations about required minimum distributions, withdrawal sequencing, beneficiaries, and charitable giving.
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Social Security and Medicare
Social Security Timing Questions Guide
Questions worth discussing before you claim, including spousal considerations, continued work, and how claiming may interact with other income.
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Annuities
Income Annuity Questions to Ask Before You Decide
Understand how income annuities generally work, along with the costs, surrender terms, liquidity limits, and suitability questions to review.
Get the GuideThe Indexed Annuity Decision Checklist
A plain-language checklist covering crediting methods, caps, participation rates, spreads, riders, fees, and contract limitations.
Get the GuideVariable Annuity Review Checklist
Review total costs, investment options, liquidity, surrender terms, and contract features of a variable annuity you own or are considering.
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Life insurance
Family Life Insurance Review Checklist
Review existing coverage, beneficiaries, and the financial responsibilities your household would still carry.
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Disability insurance
Income Protection Review Checklist
Evaluate how your household would manage if earned income stopped for an extended period, and what your current coverage actually says.
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Financial planning
What to Bring to Your First Retirement Planning Conversation
A short preparation list so a first meeting can be useful rather than exploratory paperwork.
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Start with the questions that matter most to you.
You do not need every answer before starting a conversation. A first meeting can help you organize the decisions ahead and determine whether Guardian may be a fit.
Important disclosures
This website is for general educational purposes and is not investment, tax, or legal advice. Any strategy discussed is subject to suitability, product terms, market conditions, and individual circumstances. Please consult your own tax or legal professional regarding your situation.
Requesting a guide does not create an advisory, insurance, tax, legal, or other professional relationship.