的 退休前 Checklist
的
退休前
检查表:
你准备得如何??
Getting ready for retirement? Before you can cross that bridge, you’ll need to cross some important items off your to-do list. But thanks to our work together, you might be more prepared than you think! 这个方便的清单 of ten crucial steps can help you visualize how far you’ve come.
To measure your progress toward retirement preparation, check off your “Done” items from the list below.
Understand what your income will be, and how you can confidently spend the money you have accumulated for retirement.
Prepare for emergencies by saving at least 3 months’ living expenses, and have that money easily available to you.
Have a sound tax strategy to guide you through the process of spending money from both taxable and tax-deferred accounts.
Consider where you’ll live, both short- and long-term. Have a plan for funding a move and understand the timing involved.
Have a strategy for your 401(k) plan and determine the best time for you to access the money, 根据你的目标.1
Write down your personal goals for your retirement years. Explore your dreams, priorities and values.
Make arrangements in the event that you or a loved one encounters a health issue requiring full-time care.
Develop an estate approach that includes how you want your assets to be allocated, and who will handle your estate.
Understand your options with Medicare and define a strategy for covering health care expenses for the long haul.
Have a sound tax strategy to guide you through the process of spending money from both taxable and tax-deferred accounts.
还没准备好?
If you’re not as prepared for retirement as you’d like to be, just reach out. 在一起, we can fine-tune these strategies so you can finish your checklist and get started on that bucket list.
1. Distributions from 401(k) plans and most other employer-sponsored retirement plans are taxed as ordinary income and, 如果在59岁半之前服用, may be subject to a 10% federal income tax penalty. Generally, once you reach age 73, you must begin taking required minimum distributions.
