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Pre-Retirement Checklist

Before putting in your retirement notice, you may want go through this checklist and explore some of the topics. If we can be of service to you with your questions, please contact us. Click Contact Us or email us at

Check out our Seminars page for helpful workshops on maximizing your social security benefits, Medicare, and more.

 1.  Visit with your Human Resources Department to determine what retiree benefits will be available to you, at what cost, and for how long.  If you are turning 65 you will be eligible for Medicare and your employer sponsored plan may end.  If you have an income over $85,000, you could be paying much more for Medicare Part B.  If you have a spouse that is relying on those benefits you are going to want to consider what it will cost for her/him to get their own insurance. Talked to one of our licensed agents in your specific state to get an idea of  costs.

  2.  Roll-over your 401K into a product that will be under your control, not your employers. We can provide you with a professional that can answer your questions and help you make the best decision for your situation.

  3.  If you haven't already looked into long-term care insurance, now would be the time. Check-out the LTC page for more details.

  4.  Personal information. Make sure your company has your current home address and contact information.

  5.  Be sure beneficiaries are designated on pensions, life insurance plans, annuities, etc.

 6.  If you haven't already done your estate planning like getting a Will or Trust prepared, now is an excellent time.  Also, don't forget about power-of-attorney designations and health care directives. 

 7. Be sure to cash out unused vacation or sick leave and place it into a retirement account.

 8.  If you are eligible for Social Security benefits (available at 62 or older), contact the Social Security Administration three months prior to collecting benefits. Apply online at, visit your local office, or call 1-800-772-1213. IMPORTANT: Don't rely on the Social Security office to advise you of when to apply for your benefits. Given the wrong advice and you and/or your spouse could make a costly decision that could result in losing up to 76% of your benefits. Attend one of our seminars to learn more or contact us for a one-on-one session to maximize your social security benefits and retirement planning. Our advisors can help you decide what is the best age to start collecting social security benefits while avoiding costly mistakes.

 9.  If you are going on Medicare (available to 65 yrs and older or due to a disability), contact the Social Security Administration (SSA) at least 3 months before you need benefits to begin. Enroll in Medicare Parts A and B at or phone 1-800-772-1213.

10. Contact us to help with all these planning needs and more. We have specialists who can answer your questions on social security, Medicare, finances, estate planning, taxes  and much more.