Top Investment and Retirement Questions People Ask in their 40’s and 50’s

Core Money Anxiety Questions

- "Have I saved enough?" 

- "Was I smart to try aggressive investing?" 

- "Do I have the right kind of insurance?"

- "Am I on track to retire when and how I want?"

- "What if I haven't saved much up to this point - is it too late?"

Read : https://www.momentouswealthadvisors.com/blog/conquering-the-big-three-addressing-your-core-retirement-anxieties-in-your-40s-and-50s

Catch-Up and Strategy Questions

- "Am I saving enough (or have I saved enough) for retirement?" 

- "Am I investing in the best accounts to achieve my goals?" 

- "How much should I be saving if I'm starting late?" 

- "Should I reduce my exposure to stocks as I get older?" 

- "What are catch-up contributions and how do I use them?"

- "Should I max out my 401(k) or focus on other accounts?"

Read: https://www.momentouswealthadvisors.com/blog/playing-catch-up-strategic-retirement-planning-when-time-is-running-short

Practical Planning Questions

- "How can I create a retirement budget?"

- "How much money will I actually need in retirement?"

- "What returns can I expect from my portfolio?" 

- "Should I pay off my mortgage before retiring?"

- "How do I balance saving for retirement vs. paying for kids' college?"

Read: https://www.momentouswealthadvisors.com/blog/getting-down-to-numbers-practical-retirement-planning-that-actually-works

Healthcare and Risk Management:

- "How much should I budget for healthcare in retirement?"

- "Do I need long-term care insurance?"

- "What happens to my health insurance if I retire early?"

- "Should I consider a Health Savings Account (HSA) for retirement?"

Read: https://www.momentouswealthadvisors.com/blog/the-healthcare-reality-check-protecting-your-retirement-from-medical-costs

Tax and Account Strategy

- "Traditional 401(k) vs. Roth - which is better for me now?"

- "Should I do Roth conversions?"

- "How do I minimize taxes in retirement?"

- "What's the difference between tax-deferred and tax-free accounts?"

Read: https://www.momentouswealthadvisors.com/blog/tax-strategy-in-your-peak-earning-years-making-every-dollar-count

Lifestyle and Timing Questions

- "Can I afford to retire early (at 50-62)?"

- "What will I actually do in retirement?"

- "Should I downsize my home before retiring?"

- "How do I handle the transition from working to not working?"

Read: https://www.momentouswealthadvisors.com/blog/tax-strategy-in-your-peak-earning-years-making-every-dollar-count

Investment Allocation Questions

- "Should I still be aggressive with stocks in my 50s?"

- "What should my asset allocation be at my age?"

- "Are target-date funds worth it?"

- "How do I protect against inflation?"

Read: https://www.momentouswealthadvisors.com/blog/rewriting-the-rules-investment-allocation-for-modern-retirement

Social Security and Pensions

- "When should I start taking Social Security?"

- "How much can I expect from Social Security?"

- "Do I have any pension benefits I've forgotten about?"

- "What if Social Security isn't there when I retire?"

Read: https://www.momentouswealthadvisors.com/blog/maximizing-your-safety-net-social-security-and-pension-strategies

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