• Initial Alignment Meeting and Allocation

  • Cash Management for the year ahead:

  • Regular Income Distributions
  • Quarterly Taxes
  • Special Purchases Planned
  • Planned Medical Expenses
  • Vacations
  • Charitable Donations / QCDs

  • Savings Goals for the Year:

  • Retirement Contributions (including backdoor Roths)
  • College Savings for Children / Grandchildren
  • Retirement / Employment Change
  • Estate Plan / Beneficiaries
  • Life Events (Marriage/Divorce/Moving/etc.)
  • Roth Conversions
  • Capital Loss/Gains Harvesting
  • Asset Inheritances
  • Annuities / CDs / Bonds Maturing
  • IRA RMDs
  • Pension Decisions
  • SSA Filing
  • SSA Earnings Record Verification
  • Request Tax Docs for Prior Year Distributions / Rollovers
  • Tax Withholding Changes

  • ALLOCATION

  • For a more in depth view of our approach to the broad allocation of client assets, see How We Approach Portfolio Allocation

  • Risk Capacity

  • Risk Tolerance

  • Based on the results of the risk tolerance conversation, which risk band should they be mapped to?
  • Within their risk band, where do they want to be (high end, middle, low end)?
  • Does the client understand that for any individual stocks or other securities they transfer into the account and wish to continue holding, we will not provide ongoing research, recommendations, or monitoring on those positions?
  • Does the client prefer immediate implementation or phased deployment?

  • Homework

  • Should be Empty: