Health Quiz - Pine Grove Financial Group

Household Income

How much of your retirement living expenses will be covered by guaranteed income (pensions, annuities, Social Security)?

Please select an answer to continue.

None

< 50%

≥ 50%

≥ 80%

I don't know

Household Income

Have you coordinated the timing of Social Security and pension elections with your broader retirement plan?

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Not at all

Thought about it

Modeled with a professional

I don't know

Expenses

Do you have a detailed retirement budget (including discretionary and inflation adjustments)?

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Rough outline

Yes, detailed with assumptions

I don't know

Expenses

How confident are you that your planned expenses align with your lifestyle goals?

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Not confident

Somewhat

Very confident

I don't know

Allocation

Do you feel your portfolio is diversified?

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Concentrated (e.g., employer stock >20%)

Somewhat diversified, not actively rebalanced

Fully diversified, regularly rebalanced

I don't know

Allocation

What best describes your investment strategy in retirement?

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No clear strategy

General awareness of risk/return

Documented allocation aligned to retirement goals

I don't know

Longevity

What planning horizon have you assumed for your retirement? Consider that 51% of surviving spouses live to age 90.

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<85 years

85–95

95+ with contingencies

I don't know

Longevity

Have you considered the financial impact of one spouse outliving the other by 10+ years?

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Not considered

Roughly considered

Fully modeled

I don't know

Taxes

Do you have a strategy for managing required minimum distributions (RMDs) and tax-efficient withdrawals?

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None

Some informal tactics

Formal Roth conversion / withdrawal strategy in place

I don't know

Taxes

How tax-diversified are your assets (tax-deferred, Roth, taxable)?

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Heavy in one bucket

Moderate diversification

Well balanced across buckets

I don't know

Healthcare

Have you planned for healthcare costs before and after Medicare kicks in?

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Not planned

General idea only

Detailed projections / funding strategy

I don't know

Healthcare

Have you addressed long-term care risk (insurance, earmarked funds, or family plan)?

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Not addressed

Partial (some savings or informal plan)

Fully addressed (coverage or funding strategy)

I don't know

About You

How much do you have saved in cash and investments?

Please select an answer to continue.

Under $500k

Over $500k

Over $1M

Over $3M

Over $5M

Your age

Under 30

30 - 44

45 - 64

65+

Needs attention

0 100

Nothing a little TLC can’t fix.

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