Five retirement questions everyone over 55 should ask.

Do I know how much income I'll need in retirement?

Understanding your projected expenses — both essential and discretionary — helps create a clearer income strategy and reduces uncertainty.

Am I taking more investment risk than necessary?

As retirement nears, it may be worth evaluating whether your portfolio's risk level still aligns with your timeline and income needs.

What is my plan for healthcare and long-term care expenses?

Healthcare costs can be one of the largest expenses in retirement. Having a plan for Medicare, supplemental coverage, and potential long-term care needs is essential.

Have I reviewed my beneficiaries recently?

Life changes. Ensuring your beneficiary designations on retirement accounts, life insurance, and other assets are up to date is a simple but critical step.

Do I have a strategy to protect my spouse if something happens to me?

A well-designed plan considers survivor income, asset protection, and how your spouse's financial picture may change.

Retirement planning isn't just about investments. It's about creating a comprehensive plan that addresses income, taxes, healthcare, protection, and legacy planning.

The sooner these questions are answered, the more options you typically have available.