As you mature, you should begin to prepare for the disposition of your assets and your long-term needs. Ask yourself the following questions:

• Should you make gifts during your lifetime?

• How much money do you need to keep for personal financial independence?

• What concerns do you have regarding protecting your income against loss due to an accident or illness?

• Do you know anyone who has needed extended care at home or in a long-term care facility? How has that affected you?

• Do you anticipate any significant changes in your total income in the future (special bonus/inheritance)?

• Are you satisfied with your previous investment experience? Why?

• If you retired today, what lifestyle would you want?

• Do you feel your current preparations will allow you to achieve your goals?