1.A 65-year-old couple has a 47% chance that at least one of them will live to age 95. How many years of retirement do you think you need to plan for?¹

2.Some people worry about running out of money in retirement more than almost anything else. Others feel confident their savings will last. How do you feel?

3.If you found out today that you would live to 100, would your current plan still work?

4.Living longer often means more years of healthcare expenses and a greater chance of needing long-term care. Have you and your advisor discussed how to cover those potential costs?²

5.Think about what you spend on everyday essentials — groceries, gas, healthcare, utilities. Over the past few years, have you noticed these costs going up?³

6.If everyday costs keep rising the way they have been, how confident are you that your retirement income will keep up?¹¹

7.Imagine your monthly expenses are $5,000 today. At just 3% annual inflation, that same lifestyle would cost over $9,000/month in 20 years. Does your current plan account for that kind of increase?⁵

8.Some retirement expenses — like healthcare, travel, and hobbies — tend to rise faster than average inflation. Have you thought about how your personal spending patterns might be affected?⁴

9.If your portfolio drops 41%, you would need a 69% gain just to get back to where you started. Knowing that - how would you handle a major market downturn in the first few years of your retirement?⁶

10.A major market downturn in the first 5 years of retirement can increase the chance of running out of money by as much as 60%. This is called sequence of returns risk. Before today, were you familiar with this concept?⁷

11.If the market dropped 30% tomorrow and you saw it all over the news, what would you do first? (Note: The 4ᵗʰ answer adds 2 bonus points to your Emotion score.)

12.When the market drops, some retirees keep withdrawing the same amount from their portfolio, which can lock in losses. Have you and your advisor discussed a withdrawal strategy for down markets?⁷

13.Research by Nobel Prize-winning economists found that people feel the pain of investment losses about twice as intensely as the pleasure of equivalent gains. Knowing that about yourself - when the market is down, which best describes your behavior?⁸

14.More than 60% of Americans believe the U.S. is in a recession - even when GDP, employment, and wages say otherwise. How much do news headlines and social media influence your feelings about your own finances?⁹

15.Among retirees who have a guaranteed income stream, 71% say they feel significantly better about weathering market downturns. If you had guaranteed income covering your essential expenses, how would your confidence change?¹⁰

16.Sometimes friends, family, or social media influence how we feel about our own financial decisions. How much do other people's opinions or actions affect your financial choices?