If you're in your 30s or 40s, you’re at the most critical stage of your financial life—and have no real retirement plan, this checklist shows you exactly where you stand.
HOW TO KNOW IF YOU’RE REALLY ON TRACK WITH YOUR RETIREMENT PLAN —WITHOUT GUESSING OR STRESSING
Dear Career Professional,
Still unsure how much you actually need to retire?
Struggling to make sense of RRSPs, TFSAs, and CPP?
Too busy to even think about retirement planning?
This 10 Step Retirement checklist takes you from guessing to knowing if you are on track with your retirement.
I created this checklist because too many hard working career professional delay retirement planning until it’s too late.
There Is a Time for Everything
There’s a time to work.
A time to grind.
A time to build.
But there must also be a time to pause…
...to reflect on where all that work is actually leading you.
We often spend our 30s and 40s focused on career growth, paying bills, raising families, and chasing opportunities. Retirement feels far off — something to “figure out later.”
But later has a habit of arriving sooner than we expect.
And the truth is: The best time to start planning your retirement is now — while you still have time, energy, and options on your side.
That’s exactly why I created the 10 Retirement Plan Checklist — a simple, step-by-step tool to help you stop guessing and start preparing.
It covers the essentials questions most hardworking professionals overlook and how to tackle them while you still have time for example:
Are you actually saving enough?
Do you know how much you'll need for retirement?
Will your investments support your goals — or drain them?
This isn’t about perfection. It’s about clarity. And it's about choosing to take control while you still can.
Because yes — there is a time for everything.
A time to build your future.
And a time to secure it.
Lanre
Before this checklist, I was just throwing money into my RRSP with no clear idea if it was enough. Femi’s 10-Step Retirement Checklist helped me figure out exactly what I was missing—especially around timing and protection. Now I actually feel in control of my retirement plan.
Patricia
I downloaded the checklist thinking it would be another generic worksheet, but it actually forced me to stop and look at the gaps in my plan. Femi helped me understand where I stood and what small changes I needed to make now—before it’s too late.
Lisa
I thought I was too late to start planning seriously for retirement. But Femi’s checklist showed me that I still have time and options. Step 4 on tracking net worth really opened my eyes. This is the kind of tool every Canadian in their 30s and 40s needs.
Frequently Asked Questions
What exactly is the 10-Step Retirement Plan Checklist?
It’s a free, practical guide with 10 key questions to help you assess how prepared you are for retirement—so you can stop guessing and start planning with confidence.
I’m too young to think about retirement.
That’s exactly why now is the best time. Time is your greatest asset—and this checklist shows how to use it wisely.
Is this checklist only for people close to retirement?
Not at all. It’s specifically designed for professionals in their 30s and 40s who still have time to make meaningful changes.
Will I get financial advice or just a list?
You’ll get only the checklist, plus helpful tips for each step.
What if I already have an RRSP or workplace pension?
Great—this checklist helps you assess if that’s actually enough and what’s missing from your broader plan.
I don’t earn enough to plan for retirement.
That’s why you need a plan. The checklist helps you start from where you are—not where you wish you were.
I don’t understand investing or finances.
Perfect. This checklist is written for non-experts—it gives you clarity without the overwhelm.
I already work with a financial advisor—do I still need this?
Yes—this helps you come to the conversation informed, with questions that matter.
Is this going to sell me something?
The checklist is 100% free with no pressure. If you want further help, you can reach out
I’ll deal with this when I’m older.
By then, it might be harder and more expensive to catch up. Starting today gives you options and peace of mind.
I don’t have a family yet, so I’m not thinking about the future.
Planning early means you’ll be ready when your life changes—whether that’s family, homeownership, or career shifts.
How do I get the checklist?
Just click on the button belown (Get My Free Checklist), enter your name and email, and you’ll receive it instantly.