Broker Check

1 Heritage Place, Suite #510, Southgate, MI 48195

(734) 720-0275
CousinoWealth@lplfinancial.com
Client Login

Retirement & Tax Planning Checklist

A practical way to review your strategy, reduce unnecessary taxes, and plan for retirement with more intention.

We bring our decades of experience and passion for our work to the center of our client relationships. At Cousino Wealth Advisors, we work with a select group of clients to provide thoughtful, highly personalized guidance.

This checklist was built for individuals and families who want to take a closer look at how their retirement, tax strategy, and long-term goals come together. Whether you are approaching retirement, already retired, or managing the financial side of a business, it offers a clear framework to help you think through the decisions that matter most.

It’s not about making everything complicated. It’s about helping you focus on what is most important and making sure your plan reflects that. 

Get Your Retirement & Tax Planning Checklist

Thank you for your submission! There was a problem with the form submission. Please try again.

What You’ll Review Inside

The Retirement & Tax Planning Checklist is designed to help you step back and assess your strategy across the areas that can have the biggest impact over time. 

Inside, you’ll find key considerations around:

  • Portfolio and investment strategy

Including diversification* across asset classes, evaluating concentrated positions, and reassessing risk as retirement needs evolve 

  • Retirement income planning
From implementing a bucket strategy for predictable cash flow to aligning withdrawal strategies across taxable, tax-deferred, and tax-free accounts
  • Tax-efficient strategies

Including Roth conversions, municipal bond considerations, and planning for taxes such as Net Investment Income Tax and AMT 

  • Estate and legacy planning

Reviewing estate plans, confirming beneficiaries, exploring trusts, and coordinating long-term wealth transfer goals 

  • Ongoing oversight
Stress-testing retirement income, adjusting strategies as tax laws change, and maintaining liquidity for healthcare and unexpected needs

The goal is simple. Help you connect your investment strategy, tax decisions, and retirement plan so they work together, not separately.


*There is no guarantee that a diversified portfolio will enhance overall returns or outperform a non-diversified portfolio. Diversification does not protect against market risk.

**LPL Financial Representatives offer access to Trust Services through The Private Trust Company N.A., an affiliate of LPL Financial.


If this checklist highlights areas you have been meaning to revisit, we would be happy to help you think through what comes next.


Start the Conversation
Todd Cousino

Todd A. Cousino, APMA® Certified Financial Fiduciary®

Senior Vice President, Financial Advisor

Todd.Cousino@lplfinancial.com

I’m Todd Cousino with Cousino Wealth Advisors. With over 27 years of experience in financial services, I bring extensive industry knowledge and a true desire to help others with me to work each day! My journey into financial services...
Read more
Nicholas Hawk

Nicholas A. Hawk, Certified Financial Fiduciary®

Associate Financial Advisor

Nicholas.Hawk@lplfinancial.com

I’m Nicholas Hawk with Cousino Wealth Advisors. Even after 25 years of working in financial services, it is the relationships I have and continue to build with my clients that I enjoy the most about my job! My journey into financial...

Read more
Terri Rowe

Terri Rowe, Certified Financial Fiduciary®

Senior LPL Registered Client Service Associate

Terri.Rowe@lplfinancial.com

At a young age, I worked for a mutual fund company filing statements. During my time there, I was inspired to learn more about the investment services. Soon after, I began my career in the financial industry, where I have worked for...
Read more
Madison Swafford

Madison Swafford

Client Service Associate

Madison.Swafford@lplfinancial.com

My name is Madison Swafford, and I am proud to introduce myself as part of the team at Cousino Wealth Advisors. I was previously in vehicle sales at Harley Davidson and later transitioned to the clothing department, where I eventually...
Read more