Plan for More™ With a Quick Retirement Check
You do not need a complete financial plan to get started. This quick check helps you focus on the few decisions that matter most right now and highlights where additional planning may help.
Most people can complete this in 10 minutes or less.
Step 1: Understand Where You Stand
☐ Do you know your approximate total retirement savings?
☐ Are you contributing regularly to a retirement account?
☐ Do you have a general sense of your monthly spending?
If you answered “no” to any of these, start here. Clarity creates momentum.
Step 2: Picture What Retirement Could Look Like
☐ Do you have a target retirement age in mind?
☐ Have you thought about how long retirement may last?
☐ Do you have a general idea of the lifestyle you want in retirement?
Planning for more starts with defining what “more” means to you.
Step 3: Check Your Savings Strategy
☐ Are you contributing enough to take advantage of your full employer match?
☐ Have you reviewed whether your savings rate still aligns with your goals?
☐ Do you understand the difference between Roth and pre-tax contributions?
Common Oversight: Many people save consistently but have not revisited their strategy as income and priorities change.
Step 4: Review How Your Money Is Invested
☐ Do you know how your retirement accounts are invested?
☐ Are you comfortable with the level of risk you are taking?
☐ Do your investments align with your long-term timeline?
Investments should support your plan, not add uncertainty.
Step 5: Protect What You Are Building
☐ Have you considered health care costs in retirement?
☐ Do you have a plan for long-term care needs?
☐ Are your insurance coverages up to date?
Unexpected events can disrupt even strong savings habits without proper protection.
Step 6: Make Sure the Basics Are in Place
☐ Are your beneficiaries current on all accounts?
☐ Do you have a will and basic estate documents?
☐ Have you reviewed these after major life events?
This is often overlooked and is one of the easiest areas to review and update.
Your Plan for More™ Next Steps
You do not need to solve everything at once.
- Identify the top two or three questions you could not answer.
- Decide which area feels most important to address first.
- Schedule a conversation with a Financial Advisor to turn this quick check into a coordinated plan.
Plan for More™ begins with understanding where you are today and building toward what matters most.
Frequently Asked Questions
What if I do not know all the answers yet?
That is expected. Retirement planning is a process. Any unanswered questions help identify areas where additional planning or discussion with a Financial Advisor may add value.
How much should I be saving for retirement?
Savings needs vary based on lifestyle, timeline, income, and goals. This checklist helps you assess whether your current savings approach aligns with what you want retirement to look like. A Financial Advisor can help translate goals into a more personalized savings strategy.
How often should I review my retirement plan?
It is a good idea to review your retirement plan annually and after major life events such as marriage, career changes, or the birth of a child. Regular reviews help ensure your plan continues to support your definition of more.
Working With Janney
Depending on your financial needs and personal preferences, you may opt to engage in a brokerage relationship, an advisory relationship or a combination of both. Each time you open an account, we will make recommendations on which type of relationship is in your best interest based on the information you provide when you complete or update your client profile.
If you engage in a brokerage relationship, you will buy and sell securities on a transaction basis and pay a commission for these services. Our recommendations for the purchase and sale of securities will be based on what is in your best interest and reflect reasonably available alternatives at that time.
If you engage in an advisory relationship, you will pay an asset-based fee, which encompasses, among other things, a defined investment strategy, ongoing monitoring, and performance reporting. Your Financial Advisor will serve in a fiduciary capacity for your advisory relationships.
For more information about Janney, please see Janney’s Relationship Summary (Form CRS) on www.janney.com/crs which details all material facts about the scope and terms of our relationship with you and any potential conflicts of interest.
By establishing a relationship with us, we can build a tailored financial plan and make recommendations about solutions that are aligned with your best interest and unique needs, goals, and preferences.
Contact us today to discuss how we can put a plan in place designed to help you reach your financial goals.
