Asset Protection/Retirement Planning Assessment.

We believe the best way to help you reach your financial goals is to have a formal plan. And, we believe the best way to create a plan that can be both understood and implemented is to have a formal process (one that has been tested to work again and again).

We believe that what most clients want is simple. You want to make sure:

• your assets are protected from creditors

• your estate plan is in order to avoid probate expenses and pass wealth to your heirs

• you are paying the least amount in taxes (income, capital gains, estate)

• your investible assets are protected from downturns in the stock market

• your assets are positioned to generate needed income in retirement

• that the devastating costs for long-term care are covered

Our process to help you achieve the above goals is also simple:

• we collect the needed information from you

• we discuss in detail your goals and desires

• we provide a written plan with specific recommendations

• our team implements the chosen plan/course of action

You are in control of the process— you will determine from the outset what you want help with. You may want a full and comprehensive plan. Or, you may want help on 1, 2, 3, or more topics. Please place an X in the box of one or more of the following items that you would like our team to assess:

An X is already placed on the fourth item above...as part of our process, we are unable to have any meaningful discussions about your wealth unless you spend 5 minutes going through our Risk Questionnaire. Therefore, this item is NOT optional.

Step-by-Step Process

The goal is to work collaboratively with you to reach the ultimate goal, which is to put a comprehensive plan in place. And the best way to do so is with a systematic approach. The following are the steps that will be followed which will result in you receiving a formal recommendation of what should be done and in what order.

The time frame to complete this process will be determined by a few factors:

• 1. The timeliness of providing the needed information.

• 2. The complexity of the overall situation.

Once “all” needed information has been provided, a formal written recommendation should be ready for delivery/discussion within 7-10 days.

Provide the following personal information:

Name:

Birth Date:

Occupation:

Income:

Spouse Name:

Birth Date:

Occupation:

Income:

Home Address:

Cell Phone:

Spouse cell phone:

Email address:

Spouse email address:

# of Children

Ages:

# of grandchildren

Ages:

Years until you’d like to retire:

Monthly after-tax income needed in year 1 of retirement:

Anticipated investment return pre-retirement:

Anticipated investment return post-retirement:

Anticipated Social Security payment

at age

Spouse’s anticipated Social Security payment

at age

Step #1

Click here to take our investment risk tolerance questionnaire to determine your personal "Risk Score."

Step #2—Title/value/debt of assets— list all valuable assets and how they are titled (who owns them).

Personal residence value

Debt

Title:
Tenants by the EntiretiesRevocable Living TrustJoint with rights of survivorTenants in CommonSolely in my own nameDon't knowOther

Brokerage account #1 value

Title:
Solely in my own nameRevocable Living TrustLimited Liability CompanyJoint with rights of survivorDon't knowOther

Brokerage account #2 value

Title:
Solely in my own nameRevocable Living TrustLimited Liability CompanyJoint with rights of survivorDon't knowOther

Savings, CDs, money market total value of

Title:
Solely in my own nameRevocable Living TrustLimited Liability CompanyJoint with rights of survivorDon't knowOther

Vacation property #1

Debt

Title:
Solely in my own nameRevocable Living TrustLimited Liability CompanyJoint with rights of survivorDon't knowOther

Vacation property #2

Debt

Title:
Solely in my own nameRevocable Living TrustLimited Liability CompanyJoint with rights of survivorDon't knowOther

Investment property #1

Debt

Title:
Solely in my own nameRevocable Living TrustLimited Liability CompanyJoint with rights of survivorDon't knowOther

Investment property #2

Debt

Title:
Solely in my own nameRevocable Living TrustLimited Liability CompanyJoint with rights of survivorDon't knowOther

Business Interest, ltd., partnerships #1 value

Title:
Solely in my own nameRevocable Living TrustLimited Liability CompanyJoint with rights of survivorDon't knowOther

Business Interest, ltd., partnerships #1 value

Title:
Solely in my own nameRevocable Living TrustLimited Liability CompanyJoint with rights of survivorDon't knowOther

Step #3—Provide PDF account statements of your current investment account(s)

Brokerage account(s)

IRA(s)

401(k)s

SEP(s)

Pension (profit sharing, money purchase, etc.)

These will each be given a "Risk Score" which will be used for a suitability/alignment discussion with your personal risk score.

Step #4—Provide other documents to review:

Wills, trusts, durable powers (legal and medical)
Will provide copiesN/A do not have these

Life insurance (current account statement if cash value life)

Annuities (current account statements)

LTC (policy account statement)
Will provide acct statement(s)N/A I do not have annuities

Disability Insurance
Will provide acct statement(s)N/A I do not have Disability insurance

Other (buy/sell documents, notes, etc.)

Other (buy/sell documents, notes, etc.)

Step #5—Provide your thoughts on the following in the short- and long-term:

Estate planning—

Investments—

Tax-planning—

Life Insurance—

Saving for retirement—

Income planning—

Charitable planning—

College planning—

Long-Term Care costs—

Capital gains taxes—

Business issue—

Miscellaneous items:

Mortgage Information personal residence—fair market value

original mortgage amount

original mortgage term in months

current balance

interest rate

Step #6—a call with you to discuss your thoughts, needs, and desired outcome.

Step #7—a written plan is drafted by our team with specific recommendations.

Step #8—call or Zoom meeting with you to go over the written plan and recommendations.

Step #9—these are implementation steps that will be outlined in the written recommendation.