Retirement Fitness™ · Plan Beyond the Portfolio
Free Retirement Readiness Scorecard™
You’ve prepared for retirement financially. How ready are you for the life that follows?
Retirement readiness involves more than knowing whether you can afford to stop working. It also means considering who you’ll be, how you’ll spend your days, and what will give your life connection and meaning.
Use the Retirement Readiness Scorecard™ to reflect on the personal side of retirement and identify what deserves your attention next.
Take the Free Scorecard ↗The questions beyond the numbers
“Who will I be without my job title?”
“What will give my days purpose and structure?”
“Which relationships will still be part of my everyday life?”
You don’t need every answer today. Start by noticing where you feel prepared and where you want to explore further.
The Retirement Fitness™ Framework
Think beyond the retirement date.
Consider five connected dimensions of life beyond work as you reflect on your readiness for the transition.
Identity
Who are you beyond your career? Consider the strengths, interests, and roles you want to carry forward.
Purpose
What will make your time feel worthwhile? Explore opportunities for learning, contribution, challenge, and enjoyment.
Relationships
Who will be part of your next chapter? Consider your connections beyond work and the relationships you want to strengthen.
Physical Vitality
How will you make room for movement, energy, and the activities you want to enjoy in retirement?
Daily Structure
What will an ordinary week look like? Think about a flexible rhythm with room for connection, commitments, and rest.
Financial security is the foundation. This reflection complements your financial planning by helping you consider the life you want your resources to support.
Who it’s for
Wherever you are in the transition.
You don’t need a retirement date—or a fully formed vision—to begin considering what comes next.
- Approaching retirement: You’re preparing financially and want to give the personal transition equal attention.
- Considering your options: You’re wondering when to leave work and what you would be retiring to.
- Facing an unexpected career ending: You’re reconsidering a next chapter that arrived sooner than you planned.
- Already retired: You’re adjusting to life after work and want more direction, connection, or structure.
Make it useful
Turn reflection into a next step.
Treat the scorecard as a starting point for a conversation with yourself, your partner, your financial advisor, or a retirement coach.
Answer based on where you are today, rather than where you think you should be.
Identify what feels clear and what raises questions. Choose one area you’d like to explore further.
Start a conversation, try a new activity, or test a different weekly routine. You can learn about your next chapter before making every decision.
For Financial Advisors
Open a conversation beyond the portfolio.
Invite clients to reflect on their expectations for life after work. Use what they choose to share to explore retirement timing, lifestyle priorities, relationships, and the goals their financial plan needs to support.
Looking for questions to guide that discussion? Explore Better Conversations™ retirement conversation guides.
For client coaching, educational events, or team development, explore partnership options for financial advisors.
Questions you may have
Before you begin.
What is the Retirement Readiness Scorecard™?
It is a reflection tool for considering the personal side of retirement and identifying areas you want to explore as you prepare for life beyond work.
Is this a financial retirement calculator?
No. It does not calculate how much money you need, project investment returns, or determine whether you can afford to retire. It complements financial planning by focusing on the personal transition.
Do I need to know when I’m retiring?
No. You can reflect on life after work while you’re still considering your options, preparing to leave, or adjusting to retirement.
Does taking the scorecard commit me to coaching?
No. If you want help exploring your priorities, you can choose to schedule a conversation with Diane Wilbur about retirement coaching.
Can the scorecard tell me whether I should retire?
It offers a starting point for reflection, rather than a pass-or-fail decision. Your retirement decision involves personal, financial, and family considerations that deserve individual attention.
Who is behind Retirement Fitness™?
Retirement Fitness™ was founded by Diane Wilbur, a Certified Professional Retirement Coach, former CPA and financial advisor, and former Head of Leadership Development at Fidelity Investments. Meet Diane.
Start with a clearer picture
What deserves your attention before work ends?
Take the free Retirement Readiness Scorecard™ and begin exploring the life you want beyond your career.
Take the Free Scorecard ↗Want support with your next chapter? Explore retirement transition coaching.