Retirement should be a time to enjoy life, not worry about running out of money. Take this quick quiz to assess your financial preparedness. It only takes a few minutes to answer the 22 questions. Then submit to receive your results immediately.

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SECTION 1: RETIREMENT READINESS

1/22 Have you calculated how much savings you need to retire securely?

Yes, I have a clear plan in place

Yes, but I'm unsure if my plan is sufficient

No, I've never calculated it

3/22 Do you know the "21 Retirement Risks" and how they can impact your financial security?

Yes, I'm fully aware and have planned accordingly

I've heard of some but haven't addressed them all

No, I haven't thought about this

4/22 Do you know the current cost of long-term care and have you planned for it?

Yes, I have a plan in place

I'm somewhat aware but haven't taken action

I haven't thought about it

SECTION 2: DEBT AND FINANCIAL STABILITY

5/22 Do you currently have debt? Check all that apply.

No, I'm completely debt-free

I have a mortgage, but it's under control

I have auto/student loans

I have high interest credit card debt

More than 10% of my net income goes towards servicing my debt

6/22 How many months' worth of expenses do you have in an emergency fund?

7/22 Do you own or rent your home?

I own my home and have at least 50% equity

I own but my equity is less than 50%

I rent and have savings

I rent and I don't have significant savings

8/22 Aside from your retirement account, emergency fund and the equity in your home, do you have any other savings?

More than $250,000

$100,000-$249,999

$50,000-$99,999

I have no additional savings

SECTION 3: INVESTMENT & TAX STRATEGY

9/22 Are your retirement savings exposed to stock or bond market fluctuations?

No, I have guaranteed growth with protection from market losses

Some of my savings are exposed but I have protection in place

Most or all of my savings are tied to the stock or bond market

10/22 Are your retirement savings tax-deferred or tax-free?

Mostly tax-free (Roth IRA, cash-value life insurance, etc.)

A mix of tax-deferred and tax-free

Mostly tax-deferred (traditional IRA, 401(k), etc.)

I don't have a tax strategy in place

11/22 Are you interested in tax optimization, avoiding losses, and reducing money management fees?

Yes, and my strategy reflects that

Yes, but I don't know how to optimize my strategy

No, I haven't considered this

SECTION 4: LEGACY AND FUTURE SECURITY

12/22 Have you planned for what happens if you or your spouse/partner passes away or becomes disabled?

Yes, we have a plan that covers all outstanding debt, 10x salary replacement, and college tuition for our kids (if any)

We have some coverage but don't know if it is enough

No, we haven't planned for this

13/22 Would you like to create a meaningful tax-free inheritance for your children or other family members?

Yes, I have a plan in place

I don't have any heirs

Yes, but I don't know how to do it

No, I haven't thought about it

SECTION 5: PERSONAL CONCERNS AND GOALS

14/22 What is your biggest concern regarding retirement? Check all that apply.

Running out of money in retirement

Market losses reducing my savings

Taxes eating away at my retirement funds

Health care or long-term care costs

Making sure my family is financially secure

I have no concerns

15/22 What is your primary goal for retirement?

Traveling and enjoying life with financial freedom

Being able to support my family and/or give back

Making sure I don't run out of money and have to work beyond retirement age

I haven't thought about it

SECTION 6: FINANCIAL LITERACY AND MINDSET

16/22 Which of the following best describes your understanding of personal finance?

I feel confident managing my finances and investments

I know the basics but could use some help

I find financial topics confusing, overwhelming and intimidating

17/22 Do you understand how compound interest works in both savings and borrowing?

Yes, I use it to my advantage in saving and investing

I understand the concept but haven't applied it much

I haven't thought about / don't know anything about it

18/22 Which of the following statements best reflects your mindset?

I prefer safe, guaranteed growth over potential high returns

I like a mix of safety and risk

I take big risks, hoping for big returns

I don't invest / I don't know how to invest

19/22 How often do you review and adjust your financial plan?

Annually or more frequently

Every few yers

I haven't reviewed it since setting it up

I don't have a financial plan

20/22 Do you know the difference between tax-deferred, tax-free, and taxable investments?

Yes, and I optimize my savings based on tax efficiency

I've heard of it but need more clarity

No, I don't understand these concepts

21/22 How do you feel about stock and bond market fluctuations?

I have a strategy that protects me from market downturns

I try to time the market but sometimes panic-sell

I mostly rely on my advisor and don't really know

Market crashes scare me, and I avoid investing

22/22 If you suddenly inherited $500,000, what would you do?

Invest strategically based on my financial plan

Pay off my debt

Save most of it in a bank account

Spend a large portion on lifestyle upgrades

I wouldn't know what to do with it

Ready to submit? Be sure to answer all questions to receive your most accurate result.