INTERACTIVE AUDIT

Your Interactive Retirement Readiness Checklist

Name: ClearPath Financial Partners
Price range: $$

Work through the 24 gaps most diligent savers miss. Check off what you already have in place — anything left unchecked is a great starting point for a conversation.

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Gaps Evaluated

Pillar 1

Income & Cash Flow

I have a written monthly income plan that covers essential expenses in retirement.

I know which accounts I'll draw from first, second, and third — and why.

I've mapped out a cash reserve strategy to avoid selling investments in a down market.

I've stress-tested my retirement income against inflation over a 25–30 year horizon.

Pillar 2

Portfolio Resilience

My asset allocation reflects the fact that I'm entering (or in) the retirement red zone.

I understand my exposure to sequence-of-returns risk in the first 5–10 years.

My portfolio has a clear role for each account (growth, income, stability).

I've reviewed fees, overlap, and concentration risk across all my accounts.

Pillar 3

Tax Coordination

I have a multi-year tax projection, not just a single-year tax return.

I've evaluated Roth conversion opportunities during lower-income years.

I understand how RMDs, IRMAA, and capital gains interact in my plan.

Pillar 4

Healthcare & Medicare

I have a plan for healthcare coverage if I retire before age 65.

I understand the Medicare enrollment windows and the penalties for missing them.

I've evaluated Medigap vs. Medicare Advantage in the context of my situation.

I've factored long-term care costs into my long-range retirement plan.

Pillar 5

Social Security & Pension

I've reviewed my Social Security statement and understand my claiming options.

I've analyzed the trade-offs of claiming at 62, FRA, and 70.

If married, we've coordinated spousal and survivor claiming strategies.

For any pensions, I've evaluated lump-sum vs. annuity and survivor elections.

Pillar 6

Estate & Legacy

I have an up-to-date will, and (if appropriate) revocable trust.

My healthcare proxy and durable power of attorney are current.

All beneficiary designations match my current wishes.

My family knows where to find important documents and account information.

I've considered the tax impact my heirs will inherit along with my accounts.

Want a physical copy of this checklist?

Download a clean, print-ready PDF version of these six pillars to keep on your desk, or schedule a low-pressure conversation with a fiduciary to map out your empty boxes.

Fiduciary advice · No sales pressure · Northborough, MA