Retirement readiness · Guide
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.
What is inside
- Social Security and Medicare timing items to review
- Employer benefits, retirement accounts, and beneficiary reviews
- Tax-aware planning considerations to discuss with your tax professional
- Cash-flow and insurance items to prepare
How to use it
A worksheet is a starting point, not a plan
Guides like this one help organize your thinking and surface the questions worth discussing. They are educational and general; they are not advice about your particular circumstances.
- Complete it at your own pace — there is no follow-up obligation
- Note the questions you cannot answer yet; those are usually the useful ones
- Bring it to a conversation with us, or with any professional you trust
- Review tax and legal questions with your own tax or legal professional
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.
Submitting a form, requesting a guide, or scheduling a conversation does not create an advisory, fiduciary, insurance, brokerage, attorney-client, tax-preparer, or other professional relationship.