The 5-Point Retirement Checkup™
Where Do You Stand?
Most of us understand the value in having an annual checkup from a physician, but when is the last time you had a financial checkup? We created the 5-Point Retirement Checkup™, to help folks that may feel like they have a good handle on their money but want to know what they don’t know and better understand their blindspots. After all, it is what we don’t know (or don’t see) that can cause us the most harm.
You'll learn something valuable about your situation and if we'd be a good match to help. Additionally, we promise you these three things when you engage with us.
- No pressure
- No judgement
- No salespitch
Schedule your complimentary review.
01
Retirement Income
Do you ever worry that you may run out of money, or have to lower your standard of living in retirement? We will review your current sources of retirement income (Social Security, pensions, 401ks, IRAs, annuities, investments, and savings) in relation to your needs to determine if there may be opportunities to improve your financial security.
02
Investments
Do you know how much in dollar terms your investments are costing you each year? Has your portfolio caused you to lose sleep at times? We will review your current investments in relation to your goals, financial situation, and comfort level with risk to help you better understand if your portfolio is invested properly, as well as what your all-in costs are.
03
Taxes
Social Security benefits and Required Minimum Distributions from retirement accounts can cause you to face unexpected taxes and may subject you to unforeseen penalties as you move through this season of life. Have you ever wondered if a Roth IRA conversion or tax-free income was right for you? By reviewing your current and future tax situation we will highlight any potential blind sports as well as opportunities that may exist to reduce taxes over time for you or your family.
04
Protection
How would your family be impacted financially if you had an unexpected illness or needed long-term care? Do you have current insurance policies that are no longer a fit for your needs? We will help you understand what the biggest risks are to your financial health and if self-insuring those risks is possible.
05
Estate Planning
Do you know your assets will be distributed in the manner you prefer with the least complication and costs to your heirs? Have you been putting off your estate planning because you don't know where to start? By understanding your wishes and concerns, reviewing your beneficiary elections and estate documents we can help you understand what gaps may exist.
There is no charge for the initial consultation. If you decide to engage with us for financial planning and/or Investment Advisory Services any associated fees will be mutually agreed upon prior to rendering services. Wealthbright Advisors nor any of its representatives provide tax preparation or advice. Estate Plan consulting does not include the creation of any legal documents, as we are not attorneys. We will work with your existing attorney or can make a recommendation to a local attorney for the creation of those documents.
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It all starts with a conversation.