Turn a topic or headline into a focused client conversation. Bring together the source, the planning questions, and the information you need before recommending a next step.
BUILD YOUR CONVERSATION AGENDA
A more useful client meeting starts here.
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THE PERIMETER / MEETING NOTES
Retirement & income
THE SOURCE TO READ
How to Set Your Savings Priorities? One Financial Planner’s Advice
Retirement planning connects a portfolio to a sequence of spending needs. The plan should explain what pays the bills, how withdrawals adapt, and which risks the household can reasonably absorb.
Discussion priority
Clarify the decision, time horizon and constraints.
Questions to explore
Which expenses can change if markets disappoint?
How would the plan change if one spouse lives substantially longer?
Which accounts should fund which goals, and what assumptions support that order?
What triggers a review of spending, benefits or investments?
Bring to the conversation
Estimate recurring and irregular annual spending.
List expected pension and Social Security benefits.
Identify healthcare coverage and large upcoming expenses.
Review beneficiaries and distribution obligations with your professionals.
An educational agenda. Review source material and adapt to the client’s circumstances. Professionals should follow their own compliance and recordkeeping procedures before sharing.
