Complimentary Consultation Packet

Complimentary Consultation Packet
What to expect:

During our first meeting we will review any questions you have and talk through your situation. Getting to know you is critical as we begin to understand what stage of financial planning you are in. We will also gather or request any additional information needed so we can offer more insightful reports and feedback on your scenario. This initial consultation is free and typically lasts between 30 and 45 minutes.
Additional Info To Bring:

□ An estimate of your Social Security retirement benefits

(You can request this online at ssa.gov/prepare/plan-retirement)

□ Recent earnings (LES) and TSP statements (if you are a federal employee)

□ Statements of any other existing financial tools you would like to review
Basic Information
Name

First NameLast Name
Date of Birth

MonthDayYear
Date
Job title / Position:
Employer:
Marital Status

MarriedSingle
Spouse/Partner Name

First NameLast Name
Spouse/Partner Date of Birth

MonthDayYear
Date
Spouse/Partner Job title / Position:
Spouse/Partner Employer:
Household Info
Address

Street Address

Street Address Line 2

CityState / Province

Postal / Zip Code
Approximate Tax Rate

10%12%22%24%32%35%37%
Your Financial Goals

Improve portfolio performanceCreate a plan for your lifetime incomePlan for education expensesMaximize inheritance to beneficiariesLower income taxesEstate planningWealth prreservationReduce portfolio volatilityProtect against long term care costsReduce negative returnsDetermine your ability to retireImprove asset diversificationOther
Color of Money Risk Analysis
I have taken the Color of Money Risk Analysis with Soard Financial in the last 30 days
My primary financial goal is:*

Preserving my assetsLeaving a legacyMaximizing my incomeGrowing my assets
When it comes to investments and financial decisions, I consider myself:*

Not very knowledgeableSomewhat knowledgeableKnowledgeableAn expert
On the road to retirement, I am:*

Retired, I made itLess than five years awayFive to ten years awayMore than ten years away
My attitude toward investing is:*

A small loss would concern meI understand investing has some risks, but I am conservativeI am growth oriented, and I understand my investments may go up or downI am aggressive, and I want to grow my assets. If my investments lose value, I might invest more
Including all sources, my current household income is:*

Under, $50,000$50,000-$99,999$100,000-$249,999$250,000-$499,999$500,000 or more
During retirement, I will rely on investment income:

HeavilyModeratelySomewhatNot at all
Social Security, a pension and some other forms of retirement cash flow are fairly stable income sources. I consider my retirement income sources to be:

I don't have retirement income sourcesUnstableSomewhat stableVery stable
Not including my primary residence, my net worth is:

Under, $250,000$250,000-$499,999$500,000-$999,999$1,000,000-$1,999,999$2,000,000 or more
Historically, inflations averages 2-3 percent per year. Relative to inflation, I would like my investments to:

Keep pace with inflation with minimal riskModerately outpace inflation with some long-term riskSignificantly outpace inflation with moderate long-term riskMaximize performance with substantial long-term risk
If I invested $250,000 for five years, I would be most comfortable with the following best and worse case scenario:

Worst: $270,000 / Best: $300,000Worst: $250,000 / Best: $330,000Worst: $230,000 / Best: $375,000Worst: $200,000 / Best: $450,000
If my investment lost 20 percent of its value, I would:

Immediately sell the investmentChange to a more conservative investment optionStay the courseAdd to the investment while its value is down
Calculation
What Keeps you up at night?

Are there areas you hadn't considered previously or that you may want to know more about? We hope you are sleeping soundly regardless, but put a check box next to any areas of interest.
Retirement

Financial issues as retirement draws nearDo I have enough money to retireHow long will my money last?Should I roll over my 401(k)Which is the best IRA - Traditional or ROTH?Should I consolidate my retirement plans?What are my 401(k) distribution options?Required Minimum Distributions (RMDs)Which assets should I spend 1st and keep till last?
Eldercare

Caring for my aging parentsHow will I be able to help a loved one with Alzheimer's disease?Being a caregiverFinding the right care facility for an older relativeChoosing long-term care insuranceWhen do I consider moving to a nursing home?Making sense of MedicarePower of Attorney issuesExecutor and executrix responsibilities
Estate Planning

Are my beneficiary designations correct?Should I stretch my IRA?Have I told my future survivors my wishes?Do I know what I need to know about estate and inheritance taxes?Is my current plan maximizing my tax deductions to my heirs?Should I setup a trust?What should be done with my home at my death?What is IRD?Am I effectively managing my estate?How can I give money away, have enough in retirement, and still pass some on to heirs?How do I spend the assets I have efficiently?
Life Events/Family Security

Upcoming wedding expensesWhat to do when a relative diesNew job/career - benefits review401(k) plan choices for job changesLife insurance - how much is enough?Divorce/Spousal death - now you're "on your own"Grandchildren have arrived! I want to enhance their financial futureDisability: who will pay my monthly bills when I can't work?
Education Planning

Understanding college savings options529 college planningDo I qualify for financial aid for my kids?What is FASFA?State or Private schools?Is there a way to shelter assets?
Financial Basics

Organizing my financial recordsCreate a household budgetReducing debtCreating a simplified "big picture" plan
Should be Empty:

Complimentary Consultation Packet

Basic Information

Household Info

Color of Money Risk Analysis

What Keeps you up at night?