Here are three signs that your retirement plan could use a checkup: 1. You don’t know your number. Are you aware of how much retirement savings you need to retire successfully? If you can’t answer that question, you can’t measure if you’re on track to hit your goal. 2. You expect to have one or more loans in retirement. Living on a fixed income in retirement isn’t easy and hefty debt payments don’t make it any easier. You should re-examine your debt repayment strategy if it looks like your mortgage, credit cards or line of credit are here to stay. 3. Are you unsure when to take government benefits? The timing of your government pensions is critical to a successful retirement. You’ve paid for them your entire working career so now is not the time to let that money go to waste!

Thomas Johnson, Cascade Financial Group, www.cascadefinancialgroup.com