RETIREMENT PLANNING TOOLKIT
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1 RETIREMENT PLANNING TOOLKIT ORGANIZE YOUR FINANCES AND VISUALIZE A LIFESTYLE OF FREEDOM Our Planning Great Retirements Toolkit will help you organize your finances and visualize your retirement. You ll be well on your way to creating a great retirement plan once you complete the included worksheets. Don t worry; it s easier than you think. Happy planning! CONTACT US Questions or need assistance? Don t hesitate to reach out. hello@jeremykisner.com PHONE (877) THIS KIT INCLUDES: 5 ESSENTIAL QUESTIONS To think through the most important aspects of retirement. BUDGET SPREADSHEET To forecast how your spending will change during retirement. PERSONAL BALANCE SHEET To visualize all of your financial assets and liabilities. INSURANCE INVENTORY To review your insurance coverage. RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 1
2 5 ESSENTIAL QUESTIONS Answering these questions will help you get your arms around the new choices and realities that retirement will bring. Most importantly, they will help you focus on what you really want. WHERE DO YOU WANT TO GO? Many people dream of extensive travel in retirement, but sometimes couples are not on the same page and single retirees may not be sure whether they want to travel alone, with a friend, or with a group. Here are a few questions to help visualize how you want to travel in retirement: TYPE: Cruises, road-trips, RV trips, all-inclusive resorts, pre-packaged tours, self-directed itineraries, family camps, ski-trips, etc. LOCATIONS: What cities, countries, or places are on your bucket list? DURATION: Do you want to live in a different climate for 3 months in the winter or summer each year? Do you prefer weekend getaways or month-long adventures? RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 2
3 WHERE WILL YOU LIVE IN RETIREMENT? Do you want to stay in your current house? If so, until what age? If you want to downsize, what size/type of housing will you be looking for? Do you plan to buy a second home (e.g., beach house, mountain cabin)? If you already have one, do you definitely plan to keep it? Do you want to stay in the same city or state? If not, what other locations would you consider? RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 3
4 HOW WILL YOU SPEND MOST OF YOUR TIME ONCE RETIRED? You know that you will retire from a job, but the question is: What will you retire to? Retirees are generally happier than younger age groups IF they are involved in their communities, maintain close relationships with friends and family, and have activities or hobbies that they enjoy. Volunteering for causes or organizations that you care about can also be very rewarding. What activities do you envision filling your days? WHAT ARE YOUR FINANCIAL GOALS FOR RETIREMENT? Think of these in two different categories: recurring living expenses and one-time lump sum expenses. RECURRING AVERAGE MONTHLY/ANNUAL LIVING EXPENSES: Don t just guess a number. Either use budgeting software (Quicken, YNAB) or use the enclosed budget spreadsheet to get an approximation of your recurring expenses. OTHER ONE-TIME EXPENSES: e.g., home remodel, child s wedding, buy an RV or car (if you plan to pay cash and, therefore, the expense is not included in your monthly budget). RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 4
5 WHAT WILL YOU LEAVE BEHIND? Is it important to you that your heirs receive a certain amount of money? Are there special possessions that you want distributed in specific ways? Answering these questions and taking the steps to ensure that your wishes are honored will give you the peace of mind necessary to truly enjoy retirement. Your answers to the questions below should be incorporated into your will or trust documents. Who do you want to manage your affairs when you are no longer able? To whom do you wish to leave your money (break down by percentages)? Are there any restrictions (e.g., each grandchild gets 10% of estate distributed: 1/3 at age 25, 30, and 35)? Who gets first choice of personal belongings (art, jewelry, photos, etc.)? RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 5
6 BUDGET SPREADSHEET For most people, spending remains at about the same level before and after retirement. However, this is not always the case. Some retirees spend much more than when they were working and others spend less. The adjustments to pre-retirement spending typically involve one of these: Changes in the amount of travel spending Changes in healthcare costs, especially if you are retiring prior to age 65 when you will be eligible for Medicare. Changes in your housing costs based on downsizing or paying off your mortgage. Expensive new activities or hobbies (e.g., golf, shopping) It is important to have a reasonably accurate estimate of your spending. Keep in mind that if you underestimate your expenses by $1,000 a month, that really adds up when you consider that you may be retired for between 20 and 40 years. Use the budget spreadsheet on the following pages to estimate how much you currently spend and how your spending is likely to change in each category once you retire. RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 6
7 BUDGET SPREADSHEET PRE-RETIREMENT RETIREMENT INCOME (monthly) INCOME (monthly) Wages and bonuses Interest and Dividends Social Security Income Pensions Rental / Other Income Income Subtotal Minus Income Taxes Spendable Income RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 7
8 BUDGET SPREADSHEET PRE-RETIREMENT RETIREMENT HOME EXPENSES (monthly) EXPENSES (monthly) Mortgage or Rent Homeowners/Renters Insurance Property Taxes Repairs/Maintenance/HOA Dues Home Improvements Household Services (cleaning, pool) UTILITIES EXPENSES (monthly) EXPENSES (monthly) Electricity Water and Sewer Gas or Oil Telephone (Land Line, Cell) Cable/TV/Movies Computer Expense RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 8
9 BUDGET SPREADSHEET PRE-RETIREMENT RETIREMENT FOOD EXPENSES (monthly) EXPENSES (monthly) Groceries Restaurants HEALTH & MEDICAL EXPENSES (monthly) EXPENSES (monthly) Insurance (medical, dental, vision) Co-pays, deductibles, prescriptions Gym / Fitness TRANSPORTATION EXPENSES (monthly) EXPENSES (monthly) Car Payments Gasoline Auto Repairs/Maintenance/Fees Auto Insurance DEBT PAYMENTS EXPENSES (monthly) EXPENSES (monthly) Credit cards Other loans RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 9
10 BUDGET SPREADSHEET PRE-RETIREMENT RETIREMENT ENTERTAINMENT/RECREATION EXPENSES (monthly) EXPENSES (monthly) Entertainment (movies, concerts) Hobbies & Activities Subscriptions and Dues Vacations PETS EXPENSES (monthly) EXPENSES (monthly) Food / grooming / Vet INVESTMENTS & SAVINGS EXPENSES (monthly) EXPENSES (monthly) 401k or IRA Other Investments & Savings RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 10
11 BUDGET SPREADSHEET PRE-RETIREMENT RETIREMENT MISCELLANEOUS EXPENSES (monthly) EXPENSES (monthly) Clothing Toiletries, Household Products Gifts/Donations Grooming (Hair, Make-up, Other) Miscellaneous Expense Asset replacement (new car or roof) TOTAL EXPENSES EXPENSES (monthly) EXPENSES (monthly) Surplus/Shortage (spendable income minus expenses and investments) RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 11
12 PERSONAL BALANCE SHEET Your personal balance sheet is also known as your Net Worth Statement. It is always fun to see how much we are worth. However, it is also important, from a retirement planning perspective, to see what assets are available to fund financial goals. Here are a few tips: 1. List each account and include the owner (E.g. John), account type (e.g., IRA, 401k, individual, trust, etc.), custodian (e.g.,td Ameritrade) and dollar amount. For example: John s 401k at Fidelity - $325, List real estate holdings at the current fair market value regardless of how much you owe on the property. 3. Do not list vehicles or personal property such as furniture, art, tools, etc. RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 12
13 INVESTMENT ACCOUNTS (E.G. IRA, 401K, ANNUITIES) CURRENT VALUE BANK/ACCOUNT TYPE ACCOUNT NUMBER REAL ESTATE Primary Residence Other Real Estate RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 13
14 OTHER ASSETS (excluding auto & personal items) TOTAL ASSETS LIABILITIES Primary Residence Mortgage Other Real Estate Mortgage(s) Credit Cards Other Liabilities TOTAL LIABILITIES NET WORTH Total Assets Minus Total Liabilities Equals Net Worth = RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 14
15 INSURANCE INVENTORY Many people have questions about how much life insurance they will need in retirement. There may be opportunities to change currently owned policies to better fit your needs now that you are retired. Here are a few examples: Reduce the death benefit to eliminate any future premium payments. This would leave you with a paid-up policy. Restructure the policy to be used for retirement income through the use of tax-free withdrawals from the cash value. Exchange the policy for one that enables the owner to use the death benefit while still alive to pay for long-term care costs. List as many details as you can about each insurance policy you own, including Long-Term Care and other forms of insurance. It is not necessary to list details of your homeowner s or auto insurance policies. RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 15
16 LIFE INSURANCE DEATH BENEFIT CASH VALUE ANNUAL PREMIUMS Notes: Notes: Notes: LONG-TERM CARE TERM (YEARS) DAILY BENEFIT INFLATION ADJUSTMENT Notes: OTHER INSURANCE Notes: RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 16
17 DISCLOSURE: Securities offered through Securities America, Inc. Member FINRA/SIPC Advisory Services offered through Surevest Investment Counsel Surevest Investment Counsel and Securities America are separate entities. Securities America and its representatives do not provide tax or legal advice. Investors should consult a tax or legal advisor regarding their specific situation. RETIREMENT PLANNING TOOLKIT JEREMYKISNER.COM 17
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