This checkup is a first step at helping you evaluate your financial health and identify any "early warning signs" By asking a few questions about your saving and financial behaviors, it can offer a diagnosis and remedies. As you progress through the questions, keep in mind that there are no "right" answers. The goal is to assess your current financial strengths and risks. Answer the questions honestly. It shouldn't hurt a bit. Or, if you would prefer an in-person financial checkup, click below to have a financial representative in your area contact you.

Retirement Savings

Think about your current approach to retirement savings. Do you know how much you'll need to retire? Have you personally begun to save for retirement? Click on the option that best describes your current status.

    I haven't thought about retirement yet and haven't started saving.
    I've thought about retirement, but haven't started saving for it.
    I've done some sporadic saving when I can afford it.
    I have some savings set aside for retirement, but I'm not very organized about it.
    I have been regularly saving and investing according to a specific plan.

Your Knowledge of Planning

When you consider investing for retirement, there's a lot to know! How would you rate your present level of knowledge about investing and financial planning?

    I don't know anything about investing or financial planning.
    I understand some of the basics, but I don't consider myself very knowledgeable.
    I am somewhat knowledgeable about financial planning, but I wish I knew more.
    I am very knowledgeable, especially compared to most other people I know.
    I am an expert at financial planning and investing.

Taxes

When do you typically complete your taxes every year?

    I sometimes don't complete them until after the April 15th deadline.
    I complete them at the last minute, in the days on or before the April 15th deadline.
    I complete them in early April, a week or two before the deadline.
    I complete them in February or March, at least two weeks before the deadline.
    I complete them as soon as I have the forms in January, months before the deadline.

Steps You've Taken

What steps have you already taken to prepare for the future? Check as many of the following that you currently own, either by yourself or through an employer.

   A will
   Life Insurance
   Stocks, bonds or mutual funds (separate from your 401k)
   An Individual Retirement Account (IRA) or 401(k)
   Other savings accounts (a bank account dedicated to savings, a Certificate of Deposit, etc.)

What's Keeping You?

Think about the things that might be preventing you from making financial preparations for your future. What's keeping you from planning for your retirement?


A. High monthly expenses

Not a reason
A minor reason
A major reason


B. Procrastination

Not a reason
A minor reason
A major reason


C. Not knowing where to start or where to go for advice

Not a reason
A minor reason
A major reason


D. Need to keep money available to access

Not a reason
A minor reason
A major reason


E. Goals seeming too far off

Not a reason
A minor reason
A major reason


F. Not having enough time

Not a reason
A minor reason
A major reason


G. Lack of knowledge or not knowing what's the best thing to do

Not a reason
A minor reason
A major reason


Your Opinion

What is your opinion of the following statements?

A.

I could never acquire all the detailed knowledge a person must have to make sound financial decisions.
B.

Money management is too complicated; even after learning the basic principles, it's difficult to save, spend, and invest wisely.
C.

There's no need to worry about the future because it will take care of itself.
D.

Even if I do manage to save some money, I don't have time to figure out where to invest it properly.