Retirement Readiness Profile

Discover your personal retirement protection style and what it means for your future

What this profile will reveal about you

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Your Security StyleHow you think about guaranteed income vs. investment flexibility

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Healthcare ConcernsYour priorities around health costs and long-term care

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Planning ConfidenceHow you feel about managing retirement decisions

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Lifestyle PrioritiesWhat matters most to you in retirement life

There are no right or wrong answers. This profile simply helps us understand how you think and feel about retirement, so we can have a more meaningful, personalized conversation together. Your answers are reviewed only by Jill Bullock at Silver and Secure.

⏳️ Takes approximately 10–12 minutes to complete

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About You

A few details to personalize your results

First Name *

Please enter your first name

Last Name *

Please enter your last name

Email Address *

Please enter a valid email address

Your Year of Birth *

Please enter a valid birth year

Marital Status *

Please select your marital status

Spouse / Partner Year of Birth (optional)

Where are you in your retirement journey? *

Please select your retirement timeline

Social Security and / or Pension Status *

Please make a selection

Approximate Total Household Net Worth

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Section 1 — Your Retirement Mindset

How you think about security, control, and certainty in retirement

For each pair of statements, click the number that shows which feels more like you. Choose 1 or 2 if the left fits you strongly, 5 or 6 if the right fits you strongly, and 3 or 4 if you lean one way but see merit in both.

Question 1

Knowing my basic living expenses are covered by guaranteed income — no matter what — would let me enjoy the rest of retirement much more freely.

1

2

3

4

5

6

I would rather keep my money working in investments and pull from it as needed, even if that means some uncertainty from month to month.

Please make a selection

Question 2

I would sleep better in retirement knowing a portion of my income is locked in for life, even if that means giving up some control over those assets.

1

2

3

4

5

6

Keeping full control over all of my money matters more to me than locking any of it in, even for a guaranteed income.

Please make a selection

Question 3

The longer I live, the more I value having a permanent income solution I never have to revisit or worry about.

1

2

3

4

5

6

The longer I live, the more I value having flexibility to adjust my financial strategy as my life and needs change.

Please make a selection

Question 4

I worry that as I get older I may not be in the best position to make good financial decisions on my own. Having things set up now feels protective.

1

2

3

4

5

6

I am confident I will be able to manage my finances effectively throughout my retirement and prefer to stay in the driver’s seat.

Please make a selection

Question 5

I care more about knowing my basic retirement income is secure than trying to achieve the highest possible investment returns.

1

2

3

4

5

6

I care more about growing my assets and maximizing long-term returns than locking in a fixed income level.

Please make a selection

Question 6 — Scenario

Picture this situation:You are three years into retirement. Your monthly expenses are $4,500. You receive $2,200/month from Social Security and withdraw the remaining $2,300 from your investment accounts. Your investments just dropped 22% due to a market downturn.

Which response feels most like how you would actually react?

I would stay the course and keep withdrawing — markets recover over time

I would cut back on discretionary spending temporarily to reduce withdrawals

I would want to move some money into something safer, even if it limits future growth

I would seriously consider converting some assets into a guaranteed income source so I never face this again

I would lose sleep worrying this downturn could permanently damage my retirement

Please select a response

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Section 2 — Income and Market Behavior

How you think about investment risk, income sources, and financial flexibility

Continue selecting the number that best reflects your thinking on each pair of statements.

Question 7

I prefer to cover my essential monthly expenses with income sources I can count on regardless of what the stock market does.

1

2

3

4

5

6

I am comfortable covering my essential expenses from investment withdrawals as long as my overall portfolio is well managed.

Please make a selection

Question 8

I would feel significantly more secure in retirement if I knew I could never outlive my income, even if that meant accepting lower overall returns.

1

2

3

4

5

6

I would rather take on some longevity risk in exchange for keeping my assets flexible and potentially growing.

Please make a selection

Question 9

When I think about retirement income, I think about building a reliable foundation first, then investing what is left over.

1

2

3

4

5

6

When I think about retirement income, I think about building a well-diversified portfolio that generates what I need over time.

Please make a selection

Question 10

I like the idea of separating my money into clear purposes — some set aside for income, some for emergencies, some for growth.

1

2

3

4

5

6

I prefer to keep all my assets in one unified strategy rather than separating them into different buckets or purposes.

Please make a selection

Question 11 — Scenario

Consider this choice:You need $2,000/month of retirement income beyond your Social Security.

Option A: A guaranteed $2,000/month for life. Once you commit, you cannot access the principal. The income never stops but never increases.

Option B: Withdraw $2,000/month from a well-diversified investment portfolio. You keep full access to the principal. In good years you could withdraw more; in bad years you may need to cut back.

Which option feels more aligned with how you want to live in retirement?

Strongly prefer Option A — I want the guarantee

Lean toward Option A — the certainty is worth giving up the flexibility

Lean toward Option B — I value the flexibility and access more

Strongly prefer Option B — I want to keep control of my assets

Please select a response

Question 12

I would feel uncomfortable committing a large portion of my savings to something I cannot easily access later, even if it provided guaranteed lifetime income.

1

2

3

4

5

6

I would be comfortable setting aside a portion of my savings permanently in exchange for income I can never outlive, even knowing I cannot get that money back.

Please make a selection

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Section 3 — Healthcare and Longevity

How you think about health costs, long-term care, and the unknown length of retirement

The first two questions ask you to rate your level of concern from 1 (very low) to 6 (very high). The remaining questions use the same 1–6 paired format as before.

— Concern Ratings (1 = Very Low | 6 = Very High) —

Question 13 — Concern Rating

I worry about unexpected healthcare costs forcing me to cut back on other spending in retirement.

Low Concern

1

2

3

4

5

6

High Concern

Please make a selection

Question 14 — Concern Rating

I worry about needing long-term care — whether at home or in a facility — and not having a plan to pay for it.

Low Concern

1

2

3

4

5

6

High Concern

Please make a selection

1 = Strongly agree with left | 6 = Strongly agree with right

Question 15

I am not particularly worried about how I will manage future healthcare costs — I will figure it out as it comes.

1

2

3

4

5

6

I am very worried about future healthcare costs and want a specific plan in place before or during retirement.

Please make a selection

Question 16

My bigger fear is slowly running out of money over a long retirement — spending down my savings year by year until there is nothing left.

1

2

3

4

5

6

My bigger fear is a single major health event or long-term care need that wipes out years of savings all at once.

Please make a selection

Question 17 — Scenario

Picture this:Your doctor tells you at age 70 that based on your family history, you have a reasonable chance of living well into your late 80s or early 90s.

How does that information change how you think about your retirement finances?

It makes me want to lock in guaranteed lifetime income even more strongly

It makes me want to be more conservative with spending so my portfolio lasts longer

It motivates me to make sure healthcare and long-term care costs are planned for specifically

It does not change much — I was already planning for a long retirement

It honestly worries me and I am not sure what to do about it

Please select a response

Question 18

If my essential monthly expenses were fully covered by guaranteed income, I would feel free to invest the rest of my assets more aggressively for growth.

1

2

3

4

5

6

Even if my essential expenses were covered by guaranteed income, I would still prefer to keep my remaining assets conservatively invested.

Please make a selection

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Section 4 — Lifestyle and Legacy

How you think about spending, enjoying retirement, and what you want to leave behind

Question 19

I am more focused on making sure my basic needs are covered than on funding a robust retirement lifestyle.

1

2

3

4

5

6

It is a priority for me to enjoy retirement fully — travel, hobbies, experiences — not just get by.

Please make a selection

Question 20

I would rather spend more and enjoy life earlier in retirement while I am healthy and active, even if that means less later.

1

2

3

4

5

6

I would rather be more conservative early in retirement and preserve more for later, even if that means being more cautious now.

Please make a selection

— Concern Rating (1 = Very Low | 6 = Very High) —

Question 21 — Concern Rating

Leaving a financial legacy for my children or loved ones is an important goal for me.

Low Priority

1

2

3

4

5

6

High Priority

Please make a selection

— Paired Statement —

Question 22

Leaving money behind for my family is something I would like but will not actively build my retirement plan around.

1

2

3

4

5

6

Providing assets for the next generation is a meaningful priority and I want my retirement plan to reflect that.

Please make a selection

— Concern Rating (1 = Very Low | 6 = Very High) —

Question 23 — Concern Rating

I worry about whether I will have enough money to truly enjoy retirement the way I am hoping to.

Low Concern

1

2

3

4

5

6

High Concern

Please make a selection

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Section 5 — Planning Confidence

How you feel about managing retirement decisions and whether a professional adds value

Question 24

I feel confident I could build and manage my own retirement income plan if I had to.

1

2

3

4

5

6

Retirement income planning feels complex enough that I would feel significantly more secure with a professional guiding the process.

Please make a selection

Question 25

I feel well-equipped to handle unexpected financial challenges in retirement — funding gaps, market drops, surprise expenses.

1

2

3

4

5

6

Unexpected financial challenges in retirement worry me because I am not confident I would handle them well on my own.

Please make a selection

Question 26

A good financial professional can add real value to my retirement plan that I could not easily replicate on my own.

1

2

3

4

5

6

With the tools and information available today, I can manage my retirement finances effectively without paying a professional.

Please make a selection

Question 27

I view working with a financial professional as an investment in my retirement security — someone whose guidance is worth the cost.

1

2

3

4

5

6

I view professional fees as an expense I would rather avoid if I can handle things myself.

Please make a selection

Question 28

As I get older, I want my retirement finances to become simpler and require fewer ongoing decisions, even if that means giving up some optimization.

1

2

3

4

5

6

I am happy to stay actively engaged with my retirement finances and make ongoing adjustments to get the best possible outcome.

Please make a selection

Question 29 — Scenario

Consider this situation:You sit down to add up your guaranteed monthly retirement income — Social Security, any pension, anything that arrives no matter what. The total is $1,800/month. But your essential expenses — housing, food, utilities, insurance, medications — come to $2,600/month. There is an $800/month gap that has to come from somewhere.

What is your most natural reaction to finding out about this gap?

I would want to work with a professional right away to find the right solution

I would do my own research and try to figure it out myself first

I would reduce my spending expectations to close the gap

I would feel anxious and not be sure where to start

I would look for ways to earn additional income before or during retirement

Please select a response

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Section 6 — Your Partner in Retirement

A few important questions about planning for both of you

These questions help us understand how you think about your partner’s financial security — a dimension that matters enormously and is often overlooked in retirement planning.

Question 30

I worry about whether my spouse or partner would be financially secure and able to manage things comfortably if I passed away first.

1

2

3

4

5

6

I am confident my spouse or partner would be financially secure and fully capable of managing our finances independently if needed.

Please make a selection

Question 31

Part of what I want from a retirement plan is that it would be simple enough for my spouse or partner to manage alone if something happened to me.

1

2

3

4

5

6

My spouse or partner is equally involved in our financial planning and would be fully capable of continuing our strategy independently.

Please make a selection

Your Retirement Readiness Profile

Prepared by Silver and Secure Health Insurance Brokers

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Income Strategy

Security-FirstGrowth-Oriented

Strategy Flexibility

CommittedFlexible

Implementation Style

Your Retirement Concerns

Healthcare costs

Long-term care

Legacy / giving

Lifestyle funding

Your Next Step

Your profile has been sent to Jill Bullock at Silver and Secure. She will review your results before you meet so your conversation can go deeper, faster. Use the links below to schedule a time that works for you.

🏢 Schedule an In-Person Meeting 💻 Schedule a Zoom or Phone Call

Important Disclosure: This Retirement Readiness Profile is provided by Silver and Secure Health Insurance Brokers for educational and conversational purposes only. It does not constitute financial, investment, tax, or legal advice and does not recommend any specific financial product or strategy. Results reflect general preferences based on your responses and individual circumstances vary significantly. This profile is a starting point for conversation, not a final recommendation. Silver and Secure works alongside financial advisors and other planning professionals to help clients build a retirement protection strategy that fits their life. Silver and Secure is a licensed insurance brokerage operating in the State of Texas.