🔍 Free Self-Scoring Worksheet

Is Your Retirement Plan
Actually Complete —
or Just Invested?

If you already have a financial advisor, this worksheet tells you in five minutes whether you have a retirement income plan — or just a portfolio manager. Score your plan across four critical areas most advisors never cover.

🏛️
Social Security CoordinationWrong claiming decisions cost couples $50,000–$150,000+ in lifetime income.
🏥
Medicare & IRMAA ExposureOne income year over the threshold can trigger $1,000–$4,000/year in surcharges.
📊
Tax Sequencing & Withdrawal StrategyDrawing from accounts in the wrong order adds tens of thousands in unnecessary taxes.
🛡️
Long-Term Care RiskAn extended care event averaging $100,000–$300,000+ can derail a portfolio built for income.
✓ Free — instant PDF download ✓ Self-scoring in under 5 minutes ✓ No obligation, no sales pitch ✓ Built for people who already have an advisor
Free — Instant Download

Get Your Free
Advisor Audit Worksheet

📋 12 yes/no questions. Four critical planning areas. One clear score that shows exactly where the gaps are — if any.
10–12
Comprehensive plan
7–9
Notable gaps
4–6
Significant gaps
0–3
Investments, not a plan

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Who This Is For

Built for People Who Already Have Money — and an Advisor

Most people who find this worksheet are in a similar position: they've saved well, they have a financial advisor who manages their investments, and something has been nagging at them. They're not sure if they have a plan — or just a portfolio.

👨‍💼

You have a financial advisor but you're not sure what they cover

Your advisor sends quarterly statements and shows you a chart of the stock market. But have they modeled your Social Security strategy? Built a Medicare plan? Mapped your withdrawal sequence? This worksheet tells you in five minutes.

🔄

You're approaching retirement and wondering if your plan is complete

The financial decisions you make in the 3–5 years before and after you retire are the most consequential of your life. Most are irreversible. This audit identifies the gaps before they become costly.

💡

You've been told your plan is "fine" but want a second opinion

A portfolio performing well is not the same as a retirement income plan. This worksheet is the starting point for an honest, independent review — no obligation, no pressure to change anything.

📋

You want to have a more informed conversation with your current advisor

The 12 questions in this worksheet are exactly the questions a fiduciary retirement income specialist would ask. Bring them to your next advisor meeting and see what comes back.

What You're Scoring

Four Areas. Twelve Questions. One Clear Picture.

Each area covers a critical retirement income planning specialty that is distinct from — and often missing from — traditional investment management.

Area 1 of 4

Social Security Coordination

Wrong decisions here are permanent. The right strategy can mean $50,000–$150,000+ more in lifetime income.

  • Has your advisor documented a specific claiming strategy with modeled outcomes?
  • Has your advisor modeled how the higher earner's claiming age affects the survivor benefit?
  • Has a break-even analysis been run comparing early vs. delayed claiming across multiple scenarios?
Area 2 of 4

Medicare & IRMAA Exposure

One income year over an IRMAA threshold triggers $1,000–$4,000/year in Medicare surcharges — per person.

  • Does your advisor review your Medicare plan every October during Annual Enrollment?
  • Has your advisor identified your IRMAA thresholds and built a strategy to stay below them?
  • Have you seen a year-by-year Medicare premium projection based on your planned income?
Area 3 of 4

Tax Sequencing & Withdrawal Strategy

Drawing accounts in the wrong order can add tens of thousands in unnecessary taxes over a 25-year retirement.

  • Does your advisor have a written withdrawal sequence — Roth vs. pre-tax vs. taxable — and why?
  • Has your advisor modeled Roth conversions to reduce future RMDs and lower your long-term tax bracket?
  • Do you have a year-by-year tax projection throughout retirement — not just this year's bill?
Area 4 of 4

Long-Term Care Risk

An extended care event averaging $100,000–$300,000+ can derail a portfolio built to fund your retirement income.

  • Has your advisor estimated your potential LTC costs based on your location and care preferences?
  • Has your advisor modeled the impact of an extended care event on your retirement portfolio?
  • Do you have a documented strategy for how LTC costs would be funded — insurance, self-funding, or hybrid?
After You Score Your Plan

Three Things You Can Do With Your Results

The worksheet is yours — no obligation to take any next step. But if you find gaps, here's what's available.

1

Bring it to your advisor

Use the 12 questions as a meeting agenda. Ask your current advisor to walk through each area. The answers — or the lack of them — will tell you a lot.

2

Book a free Advisor Audit call

A free 30-minute call to review your scores side by side. No products. No pressure. Just an honest assessment of where the gaps are and what addressing them looks like.

3

You don't have to leave your advisor

Many clients keep their existing investment manager and engage Alan separately for retirement income planning — the specialty most investment advisors don't cover.

Alan Crawford — Peak Confidence Retirement Planning
About the Author
Alan Crawford
RICP®  ·  CLTC®  ·  NSSA®  ·  Series 65 IAR  ·  Fee-Only Fiduciary  ·  Midlothian, Virginia

I built this worksheet because I keep meeting people who have a solid portfolio and an advisor they like — and who have no idea that the four areas in this audit were never addressed. That's not always the advisor's fault. Many are excellent at managing investments. Retirement income planning is simply a different specialty. If your scores show gaps, I'm happy to review them with you at no charge. The first conversation is always free, and you are never obligated to change anything.