Not at all. The evaluation isn't about your advisor's character; it is about their expertise. A retiree should consider the benefits of their advisor to them, today. Retirement is the stage of life with the greatest financial risks. You would seek a specialist for other major life changes. Reviewing whether your advisor's expertise matches your needs is simply prudent planning. A lot of retirees schedule a Retirement Income Checkup not because something is wrong - but because too much is at stake to assume everything is right.

The skills needed to build wealth are very different from the skills needed to live off wealth. During your working years the focus was solely on saving, investing and growth. Your retirement has shifted the priorities to income planning, tax efficiency, withdrawal strategies, healthcare costs, and protecting against downturns.

Ask yourself what your meetings with your advisor focus on. Are conversations mainly about investment performance and market updates? About vacations and grandkids? Or do your meetings address issues like income sustainability, tax strategies, Social Security timing, RMD planning, and other long-term concerns? A retirement-focused advisor helps you with your income, taxes, investments and legacy - not just a portfolio review