Retirement Scorecard

Liquidity – Ability To Access Your Money

How well can you access your funds? (Ex. 401(k), checking, savings, investments, etc.)

You have excellent liquidity and can access your money electronically within hours or a few days

You have predictable cash flow but have limited access to lump sums

You can access your money but could incur taxes or withdrawal penalties

You can access your money but could suffer losses due to market value fluctuation

Your assets are mostly tied up and are not easily converted to cash

None

Safety of Principle – Asset Protection

When you look at your money – does it go up and down a lot with the market?

You diversify by offsetting high-risk assets with some low-risk assets

Your money is primarily in safe assets but the tradeoff is very low rates of return

Your assets have very low risk and your money is protected from market volatility and inflation

You are very susceptible to market volatility with high potential for loss

Some of your money is in institutions that do not have strong ratings

None

Rate of Return – Linked To Inflation

Can your money still support your lifestyle in 10, 20, 30 years?

Higher 5%-12% average returns that are still taxable when you withdraw your money

Low 0%-2% rates of return while inflation outpaces gains and erodes your principal

Reasonable 2-4% rate of return with a 4% payout in hopes of not outliving your money

Portfolio returns are often reduced by downturns in the market resulting in little to no net growth

6%-9% historic average TAX-FREE returns during accumulation AND distribution hedging against inflation

None

Tax Advantages – Taxed On The Seed Or Harvest?

Is your money being taxed on the way in or out of your accounts?

Tax-free accumulation and access to transfer money with greater flexibility and benefits

Savings and investments are taxed as-earned both on the seed AND on the harvest

IRA/401(k) tax-deferred account contributions (seed money) not taxed but you pay tax on the withdrawal (harvest)

Tax advantages during contribution, accumulation, distribution, and transfer phases

Roth IRAs and 401(k)s pay tax on the seed but have a tax-free harvest with IRS limitations/rules

None

KASH Wealth – Predictable Cash Income

Do you know how much you need on a monthly and annual basis for the next 10, 20, 30 years?

You are just hoping to survive and not outlive your money as expenses exceed your income

You’re not saving enough to be prepared for retirement and you’re always striving to be secure

Your financial resources are growing as taxes and inflation chip away at them annually

You have sufficient financial resources but have not recorded your Knowledge, Attitudes, Skills, Habits (KASH)

Generating tax-advantaged CASH flow in a perpetual fund while transferring CASH and KASH as “Generational Wealth”

None

Abundance Mindset – Or Scarcity Mindset?

How healthy is your relationship with money?

You love to collaborate and share with others and believe that “together we’re better”

You are always making your future bigger than your past by contributing time, talents, and money

You feel resentful and intimidated by others’ advantages and often envy their success

You have a drive to create greater success so that you can empower your loved ones

You feel guilty about having greater success than others who are close to you

None

Proactive – Clarity, Balance, Confidence

How do you feel towards your current retirement plan?

You have extreme Clarity, Balance, and Confidence in life and are Focused on what matters most

You live in a “mindless reaction state,” always putting out fires and trying to fix your problems

Being financially secure is your primary focus, but purpose and values are also important

Authentic Wealth (Values and Purpose) matters more than money or things

Having money, things, or gratification is your primary focus while health and relationships are lacking

None

Accountable – Chief Retirement Officer (CRO)

What internal support systems do you have in place to keep on track?

Blaming others for your retirement planning not being optimized and up-to-date

You justify why your retirement planning isn’t optimized and up-to

Your retirement planning is optimized annually, you are confident and selfreliant utilizing a qualified Chief Retirement Officer (CRO)

You’ve done some planning but your not sure if it’s optimized and up-to-date

Your loved ones can count on you to address your own retirement planning needs

None

Equal Opportunity – Equal Distribution?

How specific is your legacy plan?

You have specific rules of “equal distribution” when assisting those you care about

You do not have clear guidelines about how to assist those you love and care about

You find yourself rescuing your children with handouts and greasing squeaky wheels

You require some “skin in the game” but you still probably give (or pay for) too much

You provide equal opportunities for loved ones who take ownership in their own financial future

None

Values & Vision – Legacy/Estate

Do you have a plan in place if you were to pass away today?

You have a Family Values and Vision Statement that family members helped formulate

You do not have a written Family Values & Vision Statement.

You have a family motto or theme, but no values or vision statement for what you stand for

You have a Family Values and Vision Statement that all family members understand and strive to live by

Your KASH and Family Values and Vision Statement governs how your family manages your legacy

None

1 out of 10

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