After more than 30 years working with families on their retirement plans, one thing has become very clear: most retirement advice is too generic. It treats everyone the same.
The truth is, every family has a unique situation and different priorities.
That’s why I created the Smart Retirement Strategy Quiz — a short assessment that boils down the most common retiree situations into 18 distinct profiles.
The quiz is built around four key questions:
- Live On vs Leave On Assets How much of your retirement savings is meant for you and your spouse to spend during retirement, versus how much you intend to leave to your children and grandchildren?
- Tax Focus Are you primarily trying to reduce taxes during your own lifetime, or are you more focused on reducing the taxes your children will pay on inherited retirement accounts? (Remember, without proper planning the IRS often takes two bites at the same savings — once through RMDs during your lifetime, and again when your kids are forced to drain the account over 10 years.)
- Charitable Inclination Do you want to support causes you care about as part of your plan?
- Concern About Running Out of Money How worried are you about outliving your savings?
These four questions create 18 unique profiles. Each profile has different optimal strategies, different investment approaches, and different tax and legacy priorities.
Three Common Profiles
- Profile #4 – Live On Focused, Security First Moderate assets, high concern about running out of money. Primary goal is maximizing lifetime income and minimizing personal taxes.
- Profile #11 – Leave On Focused, Tax-Sensitive Legacy Significant savings they don’t need to spend. Focused on reducing the tax burden their children will face on inherited IRAs.
- Profile #15 – Balanced + Charitably Inclined Wants to enjoy retirement but also cares about leaving a meaningful legacy and supporting causes they believe in.
What You’ll Get
The quiz takes less than 3 minutes. At the end you’ll receive:
- Your specific profile out of the 18
- A clear explanation of what that profile means for you
- The strategies that tend to work best for people in your situation
Tailored Resources Based on Your Results
- If your profile is more Leave On focused, I recommend the Smart Tax Shield Legacy Playbook — strategies designed to help you potentially pay tax once instead of twice.
- If your profile is more Live On focused, the Roth IRA Conversion Playbook will be especially useful.
Both guides are complimentary and available on our website.
Take the Quiz Today
You can take the Smart Retirement Strategy Quiz for free at LeonardiFamilyWealthcare.com.
After you finish, you’ll have the option to book a quick 15-minute call with me. I’ll review your results and show you how we can apply the right strategies using your own Smart Retirement Model.
Retirement planning should never be one-size-fits-all. The more precisely we understand your situation, the better plan we can build for you and your family.
There really is a smarter way to retire.