Retirement Certainty Scorecard™

Indicate the degree to which you agree or disagree with the statements below.

I have a clear, written and actionable retirement plan that shows my current financial position (Point A) and my ultimate future (Point B) and sets a path to get from A to B.


I review my written retirement plan each and every year and adjust it for changes in my life. I stress test my plan's viability by changing variables for the worst case scenario.


I know exactly what my personal required rate of return (PRROR) is that will allow me to achieve all of my retirement goals. I plan my investment strategy around and work toward that PRROR.


I have an investment plan which focuses an equal amount of time on making money as it does on not losing it, simultaneously advancing and protecting my assets.


I know that I am utilizing independent advice and strategies which specifically fit my individual situation.


I review all of my investments each and every year based on how the market and economy are responding and make adjustments and/or rebalances at least annually or as needed.


I am confident with all of my insurances knowing that the way they are positioned and funded will protect me and my family for any unforeseen negative events.


I am confident that my estate planning documents and beneficiary designations are all set up to maximize the benefits that my family receives.


I am well qualified or utilizing professionals that are well qualified to give the best possible advice for my retirement, investment, estate and tax planning.


My retirement planning is set up (by me or my advisor) in a way that requires little daily, weekly or monthly attention so that I can enjoy life to its fullest.

As I consider everything that will allow me to live most comfortably during my retirement, the thing that keeps me up at night is:

Thank you for completing the Retirement Certainty Scorecard™.

Please click "Submit & Print Form" to send a copy of this form to Campbell Wealth. After completing Steps 2 and 3, a Campbell Wealth associate will review the results of your Scorecard with you.

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Important New Year Considerations For Maximizing your Retirement Accounts.

As 2014 starts up, I want to offer a few simple retirement reminders that will help you prepare for 2014. I’m positive that this information will propel you into a prosperous New Year.

Let’s start with an overview of some retirement plans, their contribution maximums and specific timetables. The 401(k) is the basic plan that everyone’s heard about, but not many people, especially young professionals, take full advantage of. You can put up to $17,500 per-year into your 401(k), and if you’re age 50 or above, you are encouraged to contribute another $5,500, called a “catch-up provision.”

It’s important to remember that with a qualified 401(k) plan, all contributions have to be made on the final day of 2014. Another thing to remember is to leverage your corporate match program. Find out what it is, and take advantage of it. It’s basically free money.

If you have an IRA or Roth IRA, things are a little different. You can’t put away as much money per-year, but the trade-off is that your future withdrawals are tax free. Because the total contribution amounts are lower, it’s important that you contribute the full $5,500 per-year, and if you’re age 50 or above, take advantage of the $ 1,000 “catch-up provision.”

Your contribution deadlines are also a little different with IRAs and Roth IRAs. You have until tax filing time, 2014, plus any extensions, to make IRA and Roth IRA contributions for 2013. That being said, I would not advise you to procrastinate in making your contributions. Try and hit the max contributions by the end-of-the year, because then your retirement planning is done, and you know that you’ve put away the money that you’re supposed to put away. Making the full contribution by end-of-year also helps simplify next year’s planning and budgeting process.

Now, if you’re an individual business owner, or it’s just you and your spouse who own the business, you can place your money into a very easy 401(k) called a Solo-k or Solo-401(k). This plan allows you to contribute up to $51,000 per-year. That $51,000 total is a combination of your $17,500 individual max and then the corporate match. Also like the 401(k), the individual contribution has to be made by December 31st, 2014. You must remember to do this or else you won’t maximize the annual contribution.

One last retirement planning tip; if you are or will be 70½ or older this year, then you must take your required minimum distribution (RMD) during this calendar year, because it’s a calendar year program. I cannot stress enough how important this is, and you literally, cannot afford to forget! If you don’t make your scheduled RMD payment, the IRS will assess a 50% penalty on what you don’t withdraw. It’s one of the steepest penalties that the IRS can impose.

I hope I’ve given you some great ideas, to consider and do during this New Year. The MUST DO, above all, is take a look at where you are and where you need to go, investment and retirement wise. Then set a plan to get there! Once you have designed your plan, review it to make you’re doing the things you need to do, in order to be successful in the New Year. Have a great 2014!


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