Retirement can bring a lot of questions at once. You don’t have to solve every one before you book a conversation. Start with the things you want to understand.

  1. When would I like to retire?

    A target date helps frame the conversation, even if it changes.

  2. What do I expect retirement to cost?

    Think about regular living costs, healthcare, travel and the expenses you may no longer have.

  3. Where might my income come from?

    List the sources you know about and the ones you still need to understand.

  4. How long might that income need to last?

    Ask how longevity changes the questions you should consider.

  5. What happens during a market downturn?

    Discuss the relationship between market volatility, timing and the money you expect to use.

  6. What tax questions should I bring to a tax professional?

    Tax treatment depends on the account, product and your circumstances. Make a list rather than assuming every source of money is treated alike.

  7. What is the next step after this conversation?

    Ask what information would be useful and what you need to understand before deciding.

You can bring this list to a first call. No account numbers or financial documents are required just to schedule.