64 Questions to Ask a Retirement Planner

Deciding when to retire, how much money you need to support yourself, and what kind of lifestyle you want to lead in retirement are all important considerations. But once you have made those decisions, it’s time to put your retirement plan into action. And that’s where a retirement planner comes in.

A retirement planner can help you set realistic goals, develop a savings and investment strategy, and track your progress over time. But with so many planners to choose from, how do you know which one is right for you?

36 Questions to ask a retirement planner:

  1. What is your experience?
  2. What is your education?
  3. Are you a Certified Financial Planner (CFP)?
  4. What do you specialize in?
  5. What is your investment philosophy?
  6. How long have you been working as a retirement planner?
  7. Who is your ideal client?
  8. What do you enjoy most about your work?
  9. What is your approach to retirement planning?
  10. What are the different retirement planning options?
  11. What are the advantages and disadvantages of each type of retirement plan?
  12. How often do you review and update your clients’ retirement plans?
  13. What are some of the best ways to save for retirement?
  14. What are some of the most important factors to consider when planning for retirement?
  15. What would you say is your best accomplishment as a retirement planner?
  16. What are some common mistakes people make when planning for retirement?
  17. What has surprised you the most about being a retirement planner?
  18. Are there benefits to retiring early?
  19. What are the risks of retiring early?
  20. What are some of the biggest financial risks in retirement?
  21. What are some of the tax implications of retirement planning?
  22. What are some strategies to reduce taxes in retirement?
  23. What other retirement planning options are available, such as annuities and life insurance?
  24. What are some common pitfalls to avoid in retirement?
  25. What are some good sources of income for retirement?
  26. What are some ways to reduce expenses in retirement?
  27. Do you consider factors such as inflation and healthcare costs when planning for retirement?
  28. What do you think is the best age for retirement?
  29. What do you think are the most important things to consider when choosing a retirement plan?
  30. What do you think are the most important things to consider when choosing your retirement date?
  31. What do you think are the most important things to consider when making withdrawals from a retirement account?
  32. What do you think are the most important things to consider when managing health care costs in retirement?
  33. What do you think is the best way to handle unexpected expenses in retirement?
  34. What do you think is the best way to deal with income changes in retirement?
  35. What do you think is the best way to deal with health changes in retirement?
  36. Do you have any other advice for people planning for retirement?

28 Questions to ask when working with a potential retirement planner:

  1. Do you have experience in my line of business?
  2. What type of information do you need from me?
  3. Do you have clients who are retired or close to retirement?
  4. Can you provide references?
  5. How often do you meet with clients?
  6. What is your process for developing a retirement plan?
  7. How do you get paid?
  8. How often do you review your clients’ plans?
  9. What happens if I need to call you between meetings?
  10. What other services do you offer?
  11. Do you work with an accountant or lawyer?
  12. Do you accept commissions or other forms of compensation that might affect your advice?
  13. Would you like me to give you more information about my retirement plan, debts, and goals before our first meeting?
  14. What are the risks and potential rewards associated with my portfolio?
  15. How much money do you think I need to retire comfortably?
  16. When do you think I should start saving for retirement?
  17. What can I do to reduce my taxes in retirement?
  18. How can I protect myself from inflation in retirement?
  19. What should I do if I want to leave money to my children or grandchildren?
  20. When can I retire?
  21. How much money do I need to live comfortably in retirement?
  22. Should I downsize my home before retirement?
  23. Should I pay off my mortgage before retirement?
  24. Should I wait until I am 70 to start taking Social Security benefits?
  25. How can I earn income in retirement without having to go back to work?
  26. How often should I review my retirement plan?
  27. What happens if my circumstances change and I need to adjust my retirement plan?
  28. How do you keep me updated on changes in the retirement planning industry or changes that could affect my retirement plan?

Frequently Asked Questions

What should I look for in a retirement planner?

When looking for a retirement planner, it is important to find someone who is qualified and reputable. The planner should have experience in retirement planning and be able to provide you with a comprehensive plan that meets your needs. They should also be knowledgeable about the latest tax laws and investment options. You should feel comfortable working with the planner and trust them to help you make important decisions for your retirement.

What is the difference between a financial planner and a retirement planner?

A financial planner is someone who helps people manage their money and plan for their future. They can help people save for retirement, buy a home, or invest in stocks and mutual funds. A retirement planner is someone who specializes in helping people save for retirement. They can help you figure out how much money you need to save each month to have a comfortable retirement. They can also help you invest your money so that it grows over time.

What are the factors to consider when planning for retirement?

One of the most important is how much money you need to live comfortably. You also need to figure out how much money you have saved and what your income will be. Another important factor is when you plan to retire. You may want to retire sooner if you have a good income and lots of savings. However, if you plan to retire later, you may need to save more money.

What are some things to avoid when looking for a retirement planner?

When looking for a retirement planner, it is important to avoid anyone who asks for upfront fees. Also, be wary of individuals who promise unrealistic investment returns or promise to help you get out of debt. Retirement investors also should not work with planners who are not registered with SEC or another regulatory agency.


Regardless of how old you are, it’s never too early – or too late – to start planning for retirement. The earlier you start, the more time your money has to grow. But even if you start late, there are still steps you can take to ensure a comfortable retirement.

A qualified retirement planner can help you find a path to success. However, it helps if you have an idea of what you want to accomplish before you meet with a planner. Asking these questions will give you a better sense of what you need to do – and what kind of help you need – to plan for a comfortable retirement.

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