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Your Retirement Deserves More Than Guesswork

Master Your Next Chapter

Master Your Next Chapter

The Retirement Readiness Checklist is a self-assessment workbook created by Peter Monferdini and Logan Dirks of MD Wealth Management to help pre-retirees identify financial blind spots, prioritize action items, and plan for a secure transition out of the workforce. Drawing on over 40 years of combined industry experience, the guide emphasizes that successful retirement isn't about single, isolated choices, but rather understanding how interconnected decisions—such as Social Security claiming, investment withdrawals, tax strategies, and healthcare expenses—impact one another. By encouraging readers to gather key documents and evaluate their current standing, the checklist aims to replace guesswork with proactive planning.

The workbook moves beyond basic savings targets to address critical long-term risks, including sequence-of-returns risk, inflation, longevity risk, and the impact of cognitive decline. It serves as the foundational first step of MD Wealth Management’s eight-step "Retirement Readiness Blueprint," a framework designed to convert individual self-assessment scores into a customized, actionable retirement roadmap.

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Comprehensive Assessment

The guide evaluates preparedness by asking 5 questions in 10 core financial categories: Retirement Vision, Retirement Readiness, Retirement Income, Investments, Taxes, Social Security, Healthcare, Protection, Estate & Legacy, and Retirement Risks.

Confidence Scoring

Users score each section on a 1-to-5 scale of "Yes" answers to calculate an overall score out of 50, alongside a 1-to-10 self-rated confidence scale for each category.

Pitfall Avoidance

The workbook highlights frequent pre- and post-retirement mistakes, such as claiming Social Security at 62 without accounting for survivor benefits, retiring before age 65 without a Medicare bridge plan, and failing to plan for Required Minimum Distributions (RMDs).

Action Roadmap

Designed for individuals aged 55–67+ with $500K to $30M+ in investable assets, the checklist outlines an ongoing 8-step process to transition from self-assessment to long-term retirement management.

Still Deciding?
Here’s What Other Pre-Retirees Ask

Is the checklist actually free?

Yes. There’s no cost and no catch. It’s a self-assessment we built to help you evaluate your own plan, not a sales pitch.

Who created this checklist, and are they qualified to advise me?

Pete Monferdini and Logan Dirks of MD Wealth Management built it from more than 40 years of combined experience helping individuals and families prepare for retirement.

How is the checklist scored?

You score yourself. Each of the 10 sections has 5 questions and a confidence rating, so you’ll end up with a scare out of 5 per section and a total out of 50, plus a clear sense of where your confidence is highest and lowest.

I’m more than five years from retiring. Is this still useful for me?

It’s built specifically for the window within five years of retirement or already retired, but the earlier you spot a gap, the more time you have to fix it. Many people find it useful well before that window.

What if my score isn’t great?

No one gets a perfect score, and that’s not the point. Your score is a snapshot of where you stand today, not a final verdict on whether you’re ready. Most people find at least one area worth a closer look.

How long does it take to complete?

Most people work through it in 20 to 30 minutes, though there’s no time limit. Answer honestly rather than quickly.

What happens after I complete it?

Nothing automatic. When you’re ready, you can schedule a complimentary Retirement Readiness Score Review, where we go through your answers together, at no cost and no obligation.

Let's See If We're The Right Fit

The first conversation is simply a chance to talk through where you are and where you'd like to be, with no obligation to go further. Reach out to schedule a time, and let's see whether what we do lines up with what you're looking for.

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