8 Questions to Answer Before You Retire
Created: December 8, 2017
Modified: August 9, 2022

8 Questions to Answer Before You Retire

What You’ll Learn:
Learn the eight essential questions that you must answer before you can retire. These are the questions that every person or couple should answer before retiring. If you are already retired, they are even more critical.

Main Questions Asked:

  • What questions do you need to think about and answer before retiring?
  • If you are already retired, what questions are even more critical?

Key Lessons Learned:

8 Questions to Answer Before You Retire

  • How are you going to generate income? Successful retirements are not about the pile of money you have saved, it’s about your ability to generate income during retirement.
  • How are you going to pay for healthcare and Long-Term Care? 70% of people who live to age 65 will require some type of Long-Term Care before they die.
  • How can you pay fewer taxes in retirement? Once you retire, you have more control over the taxes you pay. This is one of the overlooked areas of investing, and consulting with an advisor is critical.
  • How to get the most out of your social security benefits? The average benefit is about $400,000. That is a significant asset.
  • How and when you claim your benefits impacts how much you receive and your tax liability. There is also your spouse’s benefits to consider.
  • What is your appetite for risk, and how well does your portfolio reflect that? Many people are taking too much risk. Asset allocation and diversification are key components to a retirement plan.
  • How to stay one step ahead of inflation? 1% to 3% may not seem like much, but if you add it up over 20 or 30 years, you may need double or triple your savings and income. Ignoring inflation could mean the difference between enjoying your dreams and barely getting by.
  • How are you going to minimize investment fees and expenses? People often have no idea what their investment fees are or what amount they are actually paying. It’s important to understand and minimize the fees and get value for what you do pay for.
  • What is the most cost-efficient way to pass your estate to the people that you love? It’s important to know how to pass money on in a tax-efficient way, and in a way that is protected from creditors, future marriages, and other things that may come up.
  • Sandy and Thomas C.
    Sandy & Thomas C. are clients of Johnson Brunetti and received no compensation for their statement.

    “We always felt our financial needs were in very capable hands. Alex Angst is great to work with. Our advisor always made us feel he had our best interests at heart and explained things so we could understand them.”

  • Robert G.
    Robert G. is a client of Johnson Brunetti and received no compensation for his statement.

    “We’ve been clients of Johnson-Brunetti for > 10 years. We’re enjoying a comfortable retirement as a result. Many thanks to Joel and our CFP, Eric Hogarth. I wish we had plugged into this decade approach back when we were in our 30s.”

  • Lisa D.
    Lisa D. is a client of Johnson Brunetti and received no compensation for her statement.

    “Working with Johnson Brunetti has had a positive impact on my life by providing me with the knowledge, confidence, and peace of mind to move forward with my retirement plans. The process of getting to this point, through their guidance, has been informative and pleasurable.”

  • Ken D.
    Ken D. is a client of Johnson Brunetti and received no compensation for his statement.

    “I view your company as one that puts my interests first. I think that is very uncommon and very refreshing. “

  • Jeanne P.
    Jeanne P. is a client of Johnson Brunetti and received no compensation for her statement.

    “Matt does an awesome job! So easy to understand and he listens to our concerns and addresses them! happy I chose your firm!”

  • Anonymous
    This testimonial was provided by a client of Johnson Brunetti and received no compensation for their statement.

    “I have been pleased with the help and service I have received from the company. I have met several team members on Eric’s team and have found all of them very well prepared to meet with me when reviewing my portfolio. I always feel that I am an important customer and appreciate that very much. I hope the firm continues to focus on the customer and maintains its great service. I think you do a great job for someone like me!!!! I’m happy I chose your firm!”

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