8 WAYS TO MEASURE YOUR RETIREMENT READINESS...

Many people are confused about how best to use their assets to meet their retirement income goals. The first step in figuring this out for yourself is to understand your retirement readiness score. Start your journey toward building the retirement of your dreams by completing your scorecard.

Step 1 of 9

Begin Your Scorecard

Complete The Form Below

First Name(Required)

Last Name(Required)

Email(Required)

Timing

1	You are older than 59 1/2 and would like to retire as soon as possible.
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4	You are 59 1/2 or older and do not plan to retire before your full Social Security retirement age.
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7	You are 59 1/2 or older and plan to retire before your full Social Security retirement age.
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10	You are 59 1/2 or older and would like to retire as soon as possible.
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Page 1 Score

Page 1 Goal

Page 1 - Insights and Actions

Assets

1	You will rely on Social Security to fund your retirement, as you have few or no additional assets.
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4	In addition to Social Security, you have a pension or a small amount of retirement savings you can use in the event of an emergency.
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7	You have at least $500k in assets that can be used for income.
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10	You have enough assets to use as income in retirement, and you don't have to worry about running out of money.
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Page 2 Score

Page 2 Goal

Page 2 - Insights and Actions

Cash Flow

1	You are not able to save because you have just enough to cover your spending.
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4	I do not save enough, and I regularly rely on credit cards and financing for large purchases.
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7	Your monthly salary and other income exceeds your needs, allowing you to save and invest a significant percentage of your income for the future.
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10	Even without cash flow from a job or Social Security, your assets produce enough income to cover your spending, and then some.
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Page 3 Score

Page 3 Goal

Page 3 - Insights and Actions

Investments

1	You do not invest in the stock market.
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4	You hold several shares of individual stocks or funds, and you don't intend to sell them until you need to access the funds (unless the market shifts significantly).
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7	You have a diverse portfolio, and you work with an advisor to manage your investments so they reflect your changing risk tolerance.
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10	You invest not only in the stock market, but in less traditional opportunities that produce consistent income and have the potential to provide an even greater return.
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Page 4 Score

Page 4 Goal

Page 4 - Insights and Actions

Taxes

1	You pay taxes as you go and do not have a plan to reduce your tax liability in retirement.
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4	You use tax-deductible accounts to defer taxes on your savings and investments until you withdraw the funds.
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7	Your retirement savings is concentrated in tax-advantaged accounts.
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10	Your tax plan minimizes your tax liability and allows you access to much of your savings tax-free.
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Page 5 Score

Page 5 Goal

Page 5 - Insights and Actions

Planning

1	You have little or no money saved specifically for retirement, and you aren't sure how much you'll need to retire comfortably.
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4	You have some money saved in various types of accounts, but you are uncertain whether it will finance your retirement.
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7	When combined with your Social Security benefits, you have enough money saved in your retirement and savings accounts to pay for your monthly expenses for the next 30 years.
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10	The retirement plan you have in place will take care of all your basic needs and fund any unforseen expenses, as well as allow you to check items off your bucket list and leave something behind for your family – no matter how long you live.
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Page 6 Score

Page 6 Goal

Page 6 - Insights and Actions

Mindset

1	You are still focused entirely on growing your assets, and you are willing to take on considerable risk in order to do so.
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4	You are mostly focused on growth, but you do have some funds set aside in a traditional savings account to mitigate your risk.
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7	You want to preserve what you have, so you have adjusted your portfolio so that you are taking on less risk as you approach retirement.
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10	You know that your portfolio can simultaneously provide the income you need for a comfortable retirement AND achieve consistent growth.
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Page 7 Score

Page 7 Goal

Page 7 - Insights and Actions

Confidence

1	You are unsure when (or whether) you will be able to retire.
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4	You think you can retire, but you are worried about whether you will need to change your lifestyle in order to make your money last.
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7	You are confident that your retirement savings will allow you to live comfortably.
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10	You are certain that you can retire when you want, live how you want, and take care of yourself and your family.
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Page 8 Score

Page 8 Goal

Page 8 - Insights and Actions

Hidden

Score Total

Hidden

Goal Total

Check the background of this investment professional on
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Securities offered through Kalos Capital, Inc. Member FINRA/SIPC/MSRB and Investment advisory services offered through Kalos Management, Inc. Member FINRA/SIPC/MSRB located at 11525 Park Wood Circle Alpharetta, GA 30005. Skrobonja Financial Group, LLC and Skrobonja Insurance Services, LLC is not a subsidiary of Kalos Capital, Inc. nor Kalos Management, Inc.

The opinions and views expressed here are for informational purposes only. This material is educational in nature and should not be deemed as a solicitation of any specific product or service. All investments involve risk and a potential loss of principal. Kalos Capital, Inc. nor Kalos Management, Inc. offer tax or legal advice. Please consult with a tax advisor or attorney for advice regarding the impact on your portfolio.

RETIREMENT READINESS SCORECARD

8 WAYS TO MEASURE YOUR RETIREMENT READINESS...

Begin Your Scorecard

Timing

Assets

Cash Flow

Investments

Taxes

Planning

Mindset

Confidence

Check the background of this investment professional on
FINRA BrokerCheck.

© Brian Skrobonja 2019

RETIREMENT READINESS SCORECARD

8 WAYS TO MEASURE YOUR RETIREMENT READINESS...

Begin Your Scorecard

Timing

Assets

Cash Flow

Investments

Taxes

Planning

Mindset

Confidence

Check the background of this investment professional on FINRA BrokerCheck.

© Brian Skrobonja 2019

Check the background of this investment professional on
FINRA BrokerCheck.