If you can't answer these seven questions confidently, then you need to work with a financial planner...
1. How will we fund our living expenses in retirement?
2. What do we we need to know about required minimum distributions (RMDs)?
3. Do we need Long Term Care (LTC) insurance?
4. When and how should we start taking social security benefits?
5. When should we apply for Medicare?
6. Is our investment allocation too risky?
7. What would happen if we died today?
Hint...see below for quickie answers to the above questions: