Start The Retirement Paycheque Scorecard

Retirement isn’t just about how much you’ve saved — it’s about whether that wealth can pay you reliably, year after year.

This quick 10-question scorecard is designed to help you stress-test your plan and see how ready your retirement income really is. In just a few minutes, you’ll spot strengths, uncover gaps, and get a clear picture of whether your retirement paycheque is built to last.

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How confident are you that your essential expenses in retirement are fully covered?

I have a detailed plan with guaranteed income sources covering all essentials.

I have a plan, but some essentials rely on variable investments.

I have a rough estimate, but no formal plan.

I haven’t analyzed my essential expenses yet.

How well have you separated lifestyle spending from essential spending?

Completely — I have clear buckets and limits.

Mostly — I know roughly what I want to spend, but it’s not formalized.

Partially — I can estimate but don’t track it.

Not at all — everything is mixed together.

Do you have a clear withdrawl strategy for your investment accounts?

Yes, with a plan that considers taxes, order of accounts, and market scenarios.

Partially — I have a basic plan but haven’t stress-tested it.

I only have informal ideas about withdrawals.

No plan — I haven’t thought about it yet.

How well have you planned for taxes in retirement?

I have a strategy that minimizes taxes across all income sources.

I have some understanding but no formal tax strategy.

I rely on ad-hoc guidance when needed.

I haven’t considered taxes at all.

Have you planned for longevity and market risk?

Yes — my plan includes stress-tests, down-market scenarios, and 30+ year projections.

Somewhat — I’ve considered longevity but not detailed market risks.

Minimal — I’ve thought about it, but not formally modeled.

No planning for longevity or market risk yet.

How prepared are you for unexpected healthcare or long-term care costs?

Fully — I have insurance, savings, or other strategies in place.

Partially — I have some coverage but gaps remain.

Minimal — I have a rough idea, no formal plan.

Not at all — I haven’t planned for this.

Have you mapped out your income sources and timing?

Yes — all sources are identified, and timing is optimized for taxes and cash flow.

Mostly — I know key sources but haven’t optimized timing.

Partially — I only have a general sense of what’s coming when.

Not at all — I haven’t organized my income sources.

Have you considered a surviving spouse or dependent's income needs?

Fully — plan accounts for both partners’ needs comprehensively.

Partially — some coverage, but not a complete plan.

Minimal — I’ve thought about it but not formalized.

Not at all — no planning for survivors.

How confident are you that your retirement plan allows flexibility for lifestyle choices?

Very confident — I can adjust without jeopardizing essentials.

Somewhat confident — limited flexibility, could be risky.

Slightly confident — plan is rigid, lifestyle changes are constrained.

Not confident — I haven’t considered flexibility.

How well is your plan aligned with your legacy or philanthropic goals?

Fully aligned — my plan integrates legacy, giving, and tax-efficient strategies.

Partially — I’ve started planning, but not fully structured.

Minimal — I have intentions, but no real plan.

Not considered — legacy or giving hasn’t been integrated yet.

Your Retirement Paycheque Score is Ready

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