Initial Alignment Meeting and Allocation

Client First Name

Must match first name in Wealthbox

Client Last Name

Must match last name in Wealthbox

Email

Must match email address in Wealthbox

Cash Management for the year ahead:

Regular Income Distributions

DiscussedN/A

Regular Income Distributions - Notes

Quarterly Taxes

DiscussedN/A

Quarterly Taxes - Notes

Special Purchases Planned

DiscussedN/A

Special Purchases - Notes

Planned Medical Expenses

DiscussedN/A

Planned Medical Expenses - Notes

Vacations

DiscussedN/A

Vacations - Notes

Charitable Donations / QCDs

DiscussedN/A

Charitable Donations / QCDs - Notes

Savings Goals for the Year:

Retirement Contributions (including backdoor Roths)

DiscussedN/A

Retirement Contributions - Notes

College Savings for Children / Grandchildren

DiscussedN/A

College Savings - Notes

Retirement / Employment Change

DiscussedN/A

Retirement / Employment - Notes

Estate Plan / Beneficiaries

DiscussedN/A

Estate Plan / Beneficiaries - Notes

Life Events (Marriage/Divorce/Moving/etc.)

DiscussedN/A

Life Events - Notes

Roth Conversions

DiscussedN/A

Roth Conversions - Notes

Capital Loss/Gains Harvesting

DiscussedN/A

Capital Loss/Gains - Notes

Asset Inheritances

DiscussedN/A

Inheritances - Notes

Annuities / CDs / Bonds Maturing

DiscussedN/A

Annuities / CDs/ Bonds - Notes

IRA RMDs

DiscussedN/A

IRA RMDs - Notes

Pension Decisions

DiscussedN/A

Pension Decisions - Notes

SSA Filing

DiscussedN/A

SSA Filing - Notes

SSA Earnings Record Verification

DiscussedN/A

SSA Earnings Record - Notes

Request Tax Docs for Prior Year Distributions / Rollovers

DiscussedN/A

Tax Docs for Prior Year - Notes

Tax Withholding Changes

DiscussedN/A

Tax Withholding - Notes

Uncategorized Notes - Other areas specific to client's circumstances

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

What is the five-year (or client-adjusted) distribution need percentage?

Has the client requested a different bucket timeframe than 5 years, and if so, why?

What is the client’s freak out number (change investments regardless)?

Does the client understand the trade-off between more fixed income (stability) and more equities (growth)?

Yes

Based on the results of the risk tolerance conversation, which risk band should they be mapped to?

AggressiveGrowthModerateConservative

Within their risk band, where do they want to be (high end, middle, low end)?

As much fixed income as possibleMiddle point of fixed incomeAs little fixed income as possible

Based on your analysis of the client's Risk Capacity (as measured by the plan) and Risk Tolerance (as measured by the discussion on loss) what will be the final percentage allocated to fixed income?

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?

YESNA

Are there specific investments in the current portfolio that the client wants to keep?

Does the client prefer immediate implementation or phased deployment?

ImmediatePhased In

Other notes on allocation

Our Homework

Their Homework

Initial Alignment Meeting and Allocation

ALLOCATION

Risk Capacity

Risk Tolerance

Homework