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LifePoint Planning Links:
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LifePoint Planning's Financial Planning Principles
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LifePoint Planning's Investing Principles
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Sign up for our planning software (RightCapital)
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Sign up to check your retirement "funded ratio"
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See a sample one-page plan (money brief)
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See a sample tax report.
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Pre-retiree form to prepare a one-page plan.
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Retiree form to prepare a one-page plan.
General Financial Planning:
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(MOST POPULAR!) 2024 Annual limits and important numbers related to financial planning
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2023 Annual limits and important numbers
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2024 Important Dates
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Important Age Milestones
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What documents do I need to keep on file?
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Master list of goals
Investments:
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What issues should I consider when reviewing my investments?
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What issues should I consider during a recession or market correction?
IRAs & Roth IRAs
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Will a distribution from my Roth IRA be tax and penalty-free?
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Will a distribution from my Traditional IRA be penalty-free?
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Can I contribute to my Roth IRA?
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Can I make a backdoor Roth IRA contribution?
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Should I contribute to my Roth IRA vs. my Traditional IRA?
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Can I make a deductible IRA contribution?
HSAs
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Can I make a deductible contribution to my HSA?
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Will the distribution from my HSA be tax and penalty-free?
Annuities
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Does an annuity fit within my financial plan?
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What issues should I consider when reviewing my existing annuity?
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Common annuity products
House and Home
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Should I consider refinancing my mortgage?
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What issues should I consider when moving out of state?
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Should I pay off my mortgage?
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What issues should I consider when selling my home?
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What issues should I consider when using a reverse mortgage?
Tax Planning:
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What will have the least tax impact: harvesting capital gains or doing Roth conversions?
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Pay stub review
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Will my Roth conversion be penalty-free?
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Will I receive a step-up in basis for the appreciated property I inherited?
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Will I receive a step-up in basis for gifted property?
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Do I need to start making estimated federal income tax payments?
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Where should my next dollar go?
Social Security:
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Am I eligible for Social Security benefits as a spouse?
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Am I eligible for Social Security benefits as a surviving spouse?
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Am I eligible for Social Security benefits if I am divorced?
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Do I qualify for Social Security disability benefits?
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Will my Social Security benefits be reduced?
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What issues should I consider with my Social Security retirement benefits?
Medicare:
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Am I eligible for Medicare Parts A and B?
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Will I be automatically enrolled in Medicare?
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Will I avoid Medicare enrollment penalties?
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Will I avoid IRMAA surcharges on Medicare Parts B and D?
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Should I change my Medicare coverage during open enrollment?
Health Insurance (Before Medicare):
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Will healthcare change as I transition into retirement?
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If I retire early, should I buy health insurance through the health insurance marketplace?
Charitable Giving:
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What issues should I consider when establishing my charitable giving strategy?
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Can I do a Qualified Charitable Distribution (“QCD”) from my IRA?
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Should I use a Donor Advised Fund (“DAF”) when giving to charities?
Estate Planning and Inheritance:
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What issues should I consider before I update my estate plan?
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What issues should I consider when reviewing my estate planning documents?
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What issues should I consider when reviewing my beneficiaries?
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What issues should I consider when creating my estate plan?
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Should I inherit my deceased spouse’s traditional IRA?
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Can I delay distributions from the traditional IRA I inherited?
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What issues should I consider before closing the estate?
Insurance:
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What issues should I consider when reviewing my health and life insurance policies?
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What issues should I consider when purchasing a life insurance policy?
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What issues should I consider when purchasing disability insurance?
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What issues should I consider when reviewing my existing life insurance policy?
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What issues should I consider when purchasing long-term care insurance?
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What issues should I consider when reviewing my property and casualty insurance policies?
Life Events and Aging:
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What issues should I consider before I retire?
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What issues should I consider if I experience a sudden wealth event?
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What issues should I consider when getting married?
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What issues should I consider if my aging parent passed away?
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What issues should I consider if my spouse passed away?
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What issues should I consider during my divorce?
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