How much of your income should be guaranteed?  What about inflation?  The more efficiently you answer these questions, the fewer resources you'll need to dedicate to creating income.  In turn, that will enable you to keep more of your money available to pursue other goals.

  * What other options do you have for generating income?

  * How much can you withdraw each year?

  * Which resources should you withdraw from first?

Over the 20 to 30-plus years your retirement will span, no doubt there will be unexpected challenges - and opportunities - along the way.  You'll need assets readily available to handle the unexpected and still maintain your lifestyle.

  * Can you fund emergencies without jeopardizing your lifestyle?

  * Are your investments diversified¹ for access and growth?

  * Do you have a diverse mix of products to provide access, growth and guaranteed income?

¹ There is no Guarantee that a diversified portfolio will enhance overall returns of outperform a non-diversified portfolio. Diversification does not protect against market risk.

Thanks to medical advances, people are living longer than ever in history.  But the long we live, the more it may cost to maintop our health or provide for long term car.  Plan now to ensure your lifestyle isn't jeopardized by health care costs.

  * What will Medicare cover?

  * Do you need Medigap insurance?

  * Will you be prepared for long-term health care needs?

For many, the thought of living well includes leaving behind a legacy of financial independence.  If this is important to you, you'll also want to explore how to establish a sound estate plan.

  * How should you start planning for your legacy?

  * Do you need a will?

  * Are your beneficiary designations updated?

  * Do you have enough life insurance?

  * Should you consider trusts¹?

  * How can you give more efficiently to the charities that mean the most to you?

¹ LPL Financial Representatives offer access to Trust Services through the Private Trust Company N.A., an affiliate of LPL Financial.