Retirement Workbook: A Blueprint for Planning Your Retirement

Sound Planning Group Team

What’s Missing From Your Retirement Plan?

Retirement isn’t just a finish line—it’s a new phase of life that demands careful planning and long-term strategy. Many investors believe that saving consistently over time is enough. But true retirement confidence can go beyond your 401(k) balance. It involves income planning, healthcare considerations, long-term care, and strategies that protect your loved ones and your legacy.

Are you confident in your plan?
If you’re not sure, you’re not alone. Many people approaching retirement don’t realize just how much is involved until they’re already in it—and by then, the cost of missed planning opportunities can be significant.

That’s why we created our latest resource:

The Retirement Blueprint Workbook

A comprehensive, easy-to-follow guide to help you uncover what you may be missing from your retirement strategy.

Most financial advisors focus on accumulation—growing your wealth. But retirement is a shift from accumulation to distribution. It’s about creating a reliable income stream, minimizing taxes, and preparing for the unexpected.

Here’s a preview of what the workbook covers:

• Income Sources: Identify what you’re working with—Social Security estimates, pensions, retirement accounts, and personal savings—so you and your advisor can build an income plan that fits your lifestyle.
• Your Monthly Expenses and Budget: Clarify what you’re spending today and what you expect to spend in retirement. From housing and insurance to food, travel, and medical costs. This section can lay the groundwork for realistic planning.
• Your Health and Long-Term Care Expectations: Use prompts and statistics (like the $105,000 average cost of a nursing home stay) to consider future care needs and what coverage you currently have—or might be missing.
• Your Family and Legacy Goals: From supporting dependents to leaving a meaningful legacy, this section helps you think through how your financial plan can align with your values and loved ones’ needs.
• Your Insurance Coverage and Emergency Funds: Capture where you stand on disability insurance, life insurance, and financial preparedness for unexpected events.

See What You May Be Missing

If your current financial advisor hasn’t walked through these topics with you, it may be time to reconsider who’s guiding your retirement. A true fiduciary financial planner should help you think holistically—not just about markets, but about life.

This workbook is designed for individuals nearing retirement or already retired who want clarity, confidence, and control over their financial future.

Download the Retirement Blueprint Workbook and take a step toward a more secure and thoughtful retirement plan.

This material is for information purposes only and should not be interpreted as personalized investment, tax, or legal advice, or as a solicitation or recommendation to engage in any investment strategy. Information presented is based on sources believed to be reliable; however, no warranty is made as to its accuracy or completeness. Information is subject to change without notice.

Investing involves the risk of loss, including possible loss of principal. No investment strategy can guarantee a profit or eliminate the risk of loss. Past performance does not guarantee future results. Forward-looking statements are not guarantees of future outcomes and involve assumptions that may not materialize.

Advisory services are offered through SPG Advisors LLC (SPGA), an investment adviser registered with the Securities and Exchange Commission (SEC). Registration with the SEC or any state securities authority does not imply a certain level of skill or training. The material does not necessarily represent the views or official position of SPGA, and SPGA assumes no responsibility for any losses arising from reliance on the information presented.

Investors should carefully consider their own investment objectives and consult with a qualified financial, tax, and/or legal professionals before making any investment decisions.