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After the Paycheck

An informational & educational website that explores a wide range of topics aimed at helping people to and through their retirement.

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An informational & educational website that explores a wide range of topics aimed at helping people to and through their retirement.

Monthly Budget Worksheet

BudgetPlanner_Mockup_previewSitting down with a professional and following this simple budget plan could be the most important thing you do all year.

Follow these 5 Steps when creating a monthly budget:

  • Gather all of your monthly expenses, pay stubs, bank statements and savings or 401(k) statements.
  • Set-up an appointment with a professional to analyze and balance your budget.
  • Document and create your monthly financial plan.
  • Set realistic and attainable goals.
  • Analyze your performance and adjust accordingly.

Use this worksheet to help determine what your monthly (and then annual) expenses are - then use these numbers as reference with our Retirement Income Gap Calculator worksheet to help determine if you have enough guaranteed income to meet your ESSENTIAL expenses in retirement.

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Have a list of questions around your finances? Thinking about your retirement situation?

Let’s chat. Fill out the form below or request a time on our calendar to reserve a 15 min. phone call with either Sam, John, or Ryan - we'll use this time to get to know you and your needs and talk about the retirement planning obstacles you may be facing.
Better Business Bureau

Rubino & Liang, LLC.
189 Wells Avenue, 3rd Floor
Newton, MA 02359

Phone: (617) 630-8787
Fax: (617) 630-8325

© 2022 Rubino & Liang. All Rights Reserved.

[ Privacy Policy ]

This website may contain concepts that have legal, accounting and tax implications. It is not intended to provide legal, accounting, tax or investment advice. By contacting our company, you may be offered information regarding insurance and fixed annuity products.

Ryan Marston and John Conley are Investment Adviser Representatives of Retirement Wealth Advisors, Inc. (RWA), an SEC Registered Investment Advisor. Rubino & Liang Wealth Partners, LLC and RWA are not affiliated. Investing involves risk, including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Opinions expressed are subject to change without notice and are not intended as investment advice or to predict future performance. Past performance does not guarantee future results. Consult your financial professional before making any investment decision.

This information is designed to provide general information on the subjects covered; it is not, however, intended to provide specific legal or tax advice and cannot be used to avoid tax penalties or to promote, market, or recommend any tax plan or arrangement. Please note that Rubino & Liang Wealth Partners, LLC and its affiliates do not give legal or tax advice. You are encouraged to consult your tax advisor or attorney.

Annuity guarantees rely on the financial strength and claims-paying ability of the issuing insurer. Any references to protection benefits or lifetime income generally refer to fixed insurance products. They do not refer in any way to securities or investment advisory products or services. Fixed Insurance and Annuity product guarantees are subject to the claims‐paying ability of the issuing company and are not offered by Retirement Wealth Advisors, Inc. Insurance and annuities offered through licensed professionals of R & L Insurance Agency, LLC. MA Insurance License #1783398.

The Better Business Bureau (BBB) is a membership organization governed by The Council of BBBs, Inc. Businesses in the U.S. and Canada may apply for accreditation with their local BBB and are evaluated on eight BBB Standards of Trust, which are defined as a comprehensive set of best practices for how businesses should treat the public in a fair and honest manner. Businesses must pay a fee for accreditation review and monitoring for continued compliance to BBB standards when applying for accreditation. BBB assigns ratings to accredited businesses, which range from A+ (highest) to F (lowest) and are based on a defined set of rating elements. BBB logos and/or trademarks are property of their respective owners and no endorsement of Ryan Marston, John Conley or Rubino & Liang Wealth Partners, LLC is stated or implied. BBB and Retirement Wealth Advisors, Inc. (RWA) are not affiliated.

For the detailed requirements of the Better Business Bureau, please visit: https://www.bbb.org/