Flowcharts and Checklists
Social Security
- Will my Social Security benefits be reduced?
- Am I eligible for Social Security benefits if I have been divorced?
- Am I eligible for Social Security benefits as a spouse?
- Am I eligible for Social Security benefits as a surviving spouse?
- What issues should I consider with my Social Security retirement benefits?
- Do I qualify for Social Security disability benefits?
Medicare & Health Savings Accounts
- Am I eligible for Medicare part A & part B?
- Should I change my Medicare coverage during open enrollment?
- Will I avoid IRMAA surcharges on Medicare part B & part D?
- Will I avoid Medicare enrollment penalties?
- Will I be enrolled automatically in Medicare?
- Will healthcare change as I transition into retirement?
- Can I make a deductible contribution to my HSA?
- Will the distribution from my HSA be tax-free?
Tax Planning
- As someone who is working, what issues should I consider when reviewing my tax return?
- As a retiree, what issues should I consider when reviewing my tax return?
- Do I need to start making estimated federal income tax payments?
- What issues should I consider when establishing my charitable giving strategy
- Should I use a Donor Advised Fund (DAF) when giving to public charities?
- What will have the least tax impact: harvesting capital gains or Roth IRA conversions?
- Should I consider doing a Roth conversion?
- Can I do a qualified charitable distribution (QCD) from my IRA?
IRAs
- Can I make a deductible IRA contribution?
- Can I contribute to my Roth IRA?
- Should I contribute to my Roth IRA vs my Traditional IRA?
- Should I consider doing a Roth conversion?
- How must I take distributions from the Roth IRA I inherited?
- How must I take distributions from the Traditional IRA I inherited?
- Can I make a backdoor Roth IRA contribution?
- Can I make a mega backdoor Roth contribution?
- Can I delay distributions from the Traditional IRA I inherited?
Financial Planning
- What issues should I consider when reviewing my beneficiaries?
- What issues should I consider when purchasing Long Term Care insurance?
- What issues should I consider when reviewing my health and life insurance policies?
- What issues should I consider when reviewing my estate planning documents?
- Should I consider refinancing my mortgage?
- Does an annuity fit within my financial plan?
- Should I use a Donor Advised Fund (DAF) when giving to public charities?
- What issues should I consider before the end of the year?
Investment Management
- Will I have to pay tax on the sale of my investments?
- What issues should I consider when reviewing my investments?
- What issues should I consider when harvesting capital losses?
- Will I receive a step-up in basis for the appreciated property I inherited?
- What issues should I consider regarding my Non-Qualified Stock Options?
- What issues should I consider regarding my Incentive Stock Options?
General
- Important numbers 2026
- Important dates
- Important milestones
- What issues should I consider when paying off my student loans?
- What documents do I need to keep on file?
- Pay stub review
- What important issues should I consider regarding changes made by the SECURE Act 2.0?
- What issues should I consider if I experience a sudden wealth event?
The Flowcharts and Checklists are strictly for educational and illustrative purposes only and should not be deemed a representation of or guarantee of past or future results. For explanation or details on the materials provided, please consult your financial professional.