Countdown to Your Clients Retirement

12–18 months prior to retirement
Work together to hire an investment adviser for at least 25% of the investment portfolio.
Develop an investment policy statement.
Acquire a written copy of company benefits policies.
Begin tax planning.

6–9 months prior to retirement
Reevaluate investment advisers with respect to the goals.
Complete the advisory team.
Accumulate company retirement forms.
Go through underwriting for any additional life or health insurance.

3 months prior to retirement
Have the investment adviser review the rules for the client’s company stock options.
Open a rollover IRA.
Evaluate purchasing new life/health or disability policies.
File retirement forms with the benefits department.
Set up direct deposit and tax withholding for retirement payments.