Financial Planning Checklist
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Comprehensive Financial Planning Checklist
Financial Planning Checklist - FREE PDF HERE
Retirement Planning
☐ Confirm projected retirement age and income goals.
☐ Review contribution levels for 401(k), IRA, or other qualified plans.
☐ Evaluate Social Security and pension claiming strategies.
☐ Model retirement cash flow and potential shortfalls.
☐ Stress-test portfolio longevity under varying market conditions.
Investments
☐ Confirm current asset allocation aligns with risk tolerance and time horizon.
☐ Review concentrated stock positions and diversification strategies.
☐ Evaluate investment costs, performance, and tax efficiency.
☐ Assess liquidity needs and emergency reserves.
☐ Rebalance portfolio or establish ongoing rebalancing process.
Estate Planning
☐ Confirm wills, trusts, and powers of attorney are current and valid.
☐ Review beneficiary designations for all accounts and policies.
☐ Evaluate estate tax exposure and charitable giving strategies.
☐ Inventory key documents and digital assets.
☐ Discuss legacy and family wealth transfer goals.
Insurance & Risk Management
☐ Review life, disability, and long-term care coverage.
☐ Evaluate health insurance and Medicare options.
☐ Confirm adequate property, casualty, and umbrella coverage.
☐ Analyze employer and group insurance benefits.
☐ Assess income replacement and asset protection needs.
Education Planning
☐ Estimate future education costs and inflation assumptions.
☐ Review 529 or other education savings accounts.
☐ Assess ownership and control of accounts (parent vs. grandparent).
☐ Evaluate financial aid and tax credit opportunities.
☐ Confirm investment allocation matches time horizon.
Tax Planning
☐ Review current year tax projection and potential estimated payments.
☐ Evaluate Roth vs. Traditional contribution strategies.
☐ Identify opportunities for tax-loss harvesting or gain harvesting.
☐ Analyze stock options, RSUs, and deferred compensation timing.
☐ Coordinate with CPA on multi-year tax strategy and retirement distributions.