Integrated Financial Assessment
Any subtopics which you would like to explore during our discovery session should be marked for review.
Financial Integration Inventory
Section 1. Conscious Cash Flow
True
False
N/A
Review
Comments
I pay off my credit cards every month
I have no consumer debt
I will be free of debt by the time I retire
I have a spending plan/budget
I pay my bills on time
I pay my taxes on time
I live on less than I earn
I rarely have an "unexpected" expense that I haven't saved for
I routinely review and comparison shop my fixed expenses
I am saving for other goals: car, house, business, vacations, etc.
I enjoy saving money for my goals
I understand my future financial needs
I am maximizing my contributions to my retirement plans
I know how much I earn every month from all sources
I have an up-to-date retirement cash flow analysis
I have a spending plan/budget for retirement
I know about what my social security check will be/is
Based on your responses to the preceding questions - On a scale of 1-10 (10 being the highest) what is your comfort level with Conscious Cash Flow
Lowest
1
2
3
4
5
6
7
8
9
Highest
10
1 is Lowest, 10 is Highest
Section 2. Life Aspiration Plan
True
False
N/A
Review
Comments
I believe my life has purpose
I have a consistent meditation/spiritual practice
Spirituality is important to me
I have written goals to support my life aspirations
My values match my financial behaviors
I have a plan to accomplish my goals
I understand my unique skills and abilities
I feel good about my career/work path
I am clear about what I want to do with the rest of my life
I feel comfortable with my health status
I regularly participate in enjoyable activities/hobbies
The environment I live in nurtures me
The environment I work in nurtures me
I exercise regularly (three times a week for 1/2 hour or more)
I take vacations and play
Based on your responses to the preceding questions - On a scale of 1-10 (10 being the highest) what is your comfort level with Life Aspiration Plan
Lowest
1
2
3
4
5
6
7
8
9
Highest
10
1 is Lowest, 10 is Highest
Section 3. Asset and Income Protection
True
False
N/A
Review
Comments
I know my net-worth
I have up-to-date financial statements (balance sheet and/or net-worth statement) which lists my currents assets and liabilities
I have 6-12 months of emergency funds in a savings accounts
I have adequate life insurance (10 times salary)
My risk of income loss from disability is covered
I have adequate health insurance
My risks to my property from lawsuits are covered
I review and comparison shop my insurance periodically
I have assessed my portfolio's investment risk and it is appropriate for me
I have a pre-nuptial agreement
I have (considered) a domestic asset protection trust
My risk of outliving my income is covered
My other special risks are recognized and covered
I have no general partnerships or sole proprietorships (1040-Schedule C) which leave my personal assets at risk
I understand the basics of of using trusts, corporations, and LLCs
Trusts, corporations, and LLCs are in place to hold and protect my assets
Based on your responses to the preceding questions - On a scale of 1-10 (10 being the highest) what is your comfort level with Asset and Income Protection
Lowest
1
2
3
4
5
6
7
8
9
Highest
10
1 is Lowest, 10 is Highest
Section 4. Legacy Intention
True
False
N/A
Review
Comments
My beneficiary designations are current for each of my accounts
I know exactly where my will/living trust, POAs etc. are stored
I have an up-to-date will or living trust (reviewed in last 5 years or sooner if changed circumstance)
I have a living will (reflects wishes for end of life care, resuscitation, etc.)
I am at peace with my estate plan
My living trusts are funded and assets retitled
I have an ethical will (memoir of beliefs, values, remembrances)
I have a written funeral and burial plan
I have executed a letter of instruction to my family
I have discussed an assisted living plan with my family
I am satisfied with my current level of giving
I have a business succession plan in place
I am satisfied with the level of of charitable giving in my will/trust
I have discussed my legacy intentions with my family
Based on your responses to the preceding questions - On a scale of 1-10 (10 being the highest) what is your comfort level with Legacy Intention
Lowest
1
2
3
4
5
6
7
8
9
Highest
10
1 is Lowest, 10 is Highest
Section 5. Investment Strategy
True
False
N/A
Review
Comments
I have a written investment policy statement
I look at my investment balances no more often than quarterly
I know what percent of my portfolio is invested in stocks, bonds, and alternative investment
I have five or more asset classes in my portfolio
My investment returns are average or better
I know the difference between dividend and interest yields and total return
I understand the concept of risk and return
I can accept the consequences of high risks
I know my net worth
I know the difference between bonds, stocks, alternatives, ETFs, and mutual funds
Based on your responses to the preceding questions - On a scale of 1-10 (10 being the highest) what is your comfort level with Investment Strategy
Lowest
1
2
3
4
5
6
7
8
9
Highest
10
1 is Lowest, 10 is Highest
Section 6. Maintenance and Support
True
False
N/A
Review
Comments
I have an attorney specializing in estate planning review and update my estate plan documents every 5 years
I review my plans for creating financial independence annually
I consult with a tax advisor at least annually
I update my spending plan at least annually
I share my financial reports regularly with those I trust
I update my financial statement at least annually
I annually evaluate my mental, physical, and emotional wellness
I review all my insurance coverages annually
I am aware of incompletions and am completing them
I get all the recommended physical check-ups annually
I have a therapist
I have a life or business coach
I have a financial mentor
I have a financial planner or investment advisor
On a scale of 1-10 (10 being the highest) what is your comfort level with Maintenance and Support
Lowest
1
2
3
4
5
6
7
8
9
Highest
10
1 is Lowest, 10 is Highest
Section 7. Healthy Money Relationship
True
False
N/A
Review
Comments
I don't feel guilt or shame about my past financial behaviors
I would be OK showing friends how I actually spend my money
I am OK with others asking questions about my income
I am ok with receiving money/gifts from others
I am OK with situations involving my finances
Financial issues do not confuse or depress me
I have clear financial goals for the future
I am/would be OK if my spouse or partner earned more than I
I feel satisfied about how I interact with my family around money
I am taking the steps necessary to reach my financial goals
I am OK earning or having more than others
My financial behaviors are consistent with my values and goals
I don't have any unfinsihed financial tasks or obligations
I have looked at my financial past and understand how it is affecting my present relationship with money
My partner and I don't fight about money
I am proud of my financial situation
I am educating my children about financial matters
I am intentional about teaching my children positive money values
I feel anxious when I think about money, retirement, and my financial future
I rarely buy things in an attempt to make me feel better
I treat every dollar the same, whether it is salary or a gift
I understand the basics of investing money
The price of an item purchased yesterday has little relevance today
A loss hurts me more than an equal gain pleases me
In times of financial crisis I listen to the media less than normal
Capture the primary emotions or associations you have about money below:
Positive emotions or associations:
Negative emotions or associations:
Based on your responses to the preceding questions - On a scale of 1-10 (10 being the highest) what is your comfort level with Healthy Money Relationships
Lowest
1
2
3
4
5
6
7
8
9
Highest
10
1 is Lowest, 10 is Highest
Rank the topics in order of priority to you by dragging and dropping them (1 being the highest priority and 7 being the lowest priority).
Personal Information:
Annual Income
Please Select
Up to $200,000
Between $200,000-$400,000
Greater than $400,000
Estimated Net Worth
Please Select
Up to $100,000
Between $100,000-$1,000,000
Between $1,000,000-$10,000,000
Greater than $10,000,000
Name
First Name
Middle Name
Last Name
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Address
Street Address
Street Address Line 2
City
State / Province
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