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Retirement Readiness Quiz
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Retirement Readiness Quiz
Answer these 7 questions to determine if you’re on pace for the retirement of your dreams.
What is your dream in retirement?
(Required)
Traveling
Spending time with family
Volunteering
Pursuing hobbies
Types of Accounts
(Required)
Employer Retirement Accounts
IRA (pre-tax)
Roth IRA
Brokerage
Annuities
College Savings
Real Estate
CDs/Money Market
Where do you want to retire?
(Required)
My current location
Beach
Mountains
Closer to family
Current Age
(Required)
Desired Retirement Age
(Required)
Estimated Annual Household Income
(Required)
Estimated Investment Portfolio Value
(Required)
Name
(Required)
Email
(Required)
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Financial Health Boolean
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No Employer retirement accounts boolean
By not utilizing employer retirement accounts, IRAs or Roth IRAs, you could be missing out on tax advantaged methods for saving for the future. Pre-tax contributions to either an IRA or Employer retirement account give immediate tax deductions, allow your money to grow tax-deferred until withdrawn and are often matched with contributions made by your employer. It's important to remember that IRS early withdrawal penalties can be assessed on withdraws prior to age 59 ½. These types of accounts should be used as long-term savings vehicles rather than one to save for short to intermediate term goals.
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No Roth IRA boolean
Roth IRAs are a retirement account that promote tax-free growth. The earnings from Roth IRAs grow income tax-free as long as the account has been held for at least five years prior to withdrawal. Earnings are still subject to IRS penalties for withdrawals prior to age 59.5. However, your original contributions are always accessible without penalty regardless to age. There are income limits that can prevent higher earners from being able to contribute to Roth IRAs. In many cases these limits can be avoided by either making Roth contributions to an employer retirement plan or utilizing a "back-door Roth" strategy.
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No Brokerage boolean
You may be missing out on opportunities without a brokerage account. Brokerage accounts have no contribution limits and provide an avenue to pursue higher returns than standard checking/savings accounts can provide. Also, unlike other types of retirement accounts such as 401ks, IRAs, and Roth IRAs, there are no IRS penalties for withdrawals prior to age 59.5. This makes brokerage accounts ideal for individuals saving for short & intermediate term goals.
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Retirement IRA Roth IRA Brokerage Boolean
You've constructed a retirement portfolio utilizing many of the more common savings vehicles available. It's important that these accounts and their investments be structured as one portfolio, rather than a separate series of accounts. This will help ensure your portfolio structure can meet the liquidity needs of your specific goals while promoting tax efficiency.
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