Retirement Planning
Annual Retirement Plan Review Checklist
Retirement plans drift over time. A focused annual review can catch issues early and improve long-term outcomes without constant overreacting.
What to review each year
- Spending versus plan assumptions.
- Portfolio allocation and rebalancing status.
- Tax positioning and withdrawal sequencing.
Trigger-based adjustments
- Large market moves beyond your guardrails.
- Material health, family, or income changes.
- Tax law updates affecting withdrawal strategy.
Practical move: Consistency beats complexity. One disciplined annual review is more valuable than frequent reactive changes.
Review workflow
- Update current balances, spending, and income sources.
- Re-run base and downside projections.
- Document next-year action items with clear deadlines.
Re-Run Annual Retirement Projection