Budget Checklist
Do you know where your money is going?
When your spending, income, and retirement priorities live in separate places, it is hard to see the real trade-offs. This checklist gathers the details into one simple monthly view.
Retirement & Financial Planning
Make every financial decision work harder together.
Retirement planning is not just about a portfolio. It is the ongoing work of connecting income, investments, taxes, protection, estate priorities, and the life you want to live.
Schedule a ConversationRetirement IncomeInvestmentsTax StrategyInsurance
LifeLegacy
PurposeValues▦
Cash Flow Needs
Growth & Risk Planning
Tax-Efficient Decisions
Estate & Legacy Planning
The Full Picture
More than a collection of accounts.
Your financial life changes with every new season: a career transition, a family responsibility, a tax decision, a market change, or the moment retirement begins to feel close. Looking at each decision separately can leave important gaps.
Marco’s work with MRA Advisory Group brings the connected parts of planning into the same conversation, so the choices you make today can better support what comes next.
Explore retirement planning services →A Clear Starting Point
A retirement plan starts with knowing what life costs.
Before income, investments, and taxes can work together, it helps to see what your money is supporting each month. The budget checklist turns those details into a useful starting point for the bigger conversation.
What the Plan Connects
The decisions that shape your retirement.
Cash Flow & Retirement Income
Turn spending needs, income sources, Social Security, and withdrawal decisions into a clearer view of what retirement needs to support.
Investment Strategy
Keep investment decisions tied to your goals, time horizon, and comfort with risk, not a headline or a single account statement.
Tax Strategy
Consider how taxes can affect saving, investing, and retirement-income choices before the decision becomes hard to change.
Protection Planning
Review life, disability, and long-term care protection as your income, family responsibilities, and assets evolve.
Estate & Legacy
Keep beneficiary, estate-planning guidance, and legacy priorities connected to the people and goals your plan is designed to serve.
Goals & Progress
Use regular conversations to revisit priorities, measure progress, and adjust the plan as life, markets, and laws change.
Retirement Income Planning
Your income plan deserves more than one lens.
How much you withdraw matters. So does where it comes from, how it may be taxed, what your spending needs are, and how the decision affects the years that follow.
A coordinated planning conversation can help bring taxable, tax-deferred, and tax-free savings into a clearer picture, alongside Social Security, pension income, spending, health care, and legacy priorities.
Explore retirement income planning services →Talk through your retirement income plan →Taxable
Bank, brokerage, and other after-tax savings can play a role in funding goals and retirement income.
Tax-Deferred
Traditional retirement accounts can add another source of future income, subject to the rules that apply.
Tax-Free
Qualifying Roth accounts can add flexibility when coordinated with the rest of the plan.
For educational purposes only. Tax treatment depends on your individual circumstances and applicable rules.
A Living Plan
A financial plan is a conversation that keeps moving.
Borrowing from MRA’s planning process, the work begins with listening and stays connected as your life evolves.
- 01
Discover & Listen
Start with your values, questions, goals, and the financial realities that are already on your mind.
- 02
Define Your Goals
Clarify what you want retirement and your resources to make possible for you and the people you care about.
- 03
Analyze & Connect
Look across cash flow, investments, taxes, risk, protection, and estate priorities to find the important connections.
- 04
Implement With Purpose
Turn the plan into practical next steps, with the right professionals involved when a decision calls for them.
- 05
Monitor & Adapt
Revisit the plan as life changes, new opportunities appear, and the financial landscape shifts.
- 06
Partner for Life
Keep a trusted planning relationship as retirement moves from a future goal to everyday life.
A Coordinated Perspective
Bring your questions to one thoughtful conversation.
Marco Lima, CFP® is CEO and Wealth Advisor of MRA Advisory Group. He helps individuals and families consider retirement planning in the context of the decisions, responsibilities, and goals that make their situation unique.
Schedule a Conversation