This is one of our “meatiest” meetings, where we will go into detail about your financial life, your family, and your goals for the future. This will allow us to build your cashflow model – a picture of how money flows in and out of your household - and better understand what we're trying to accomplish together.

Prior to this meeting, there are several worksheets that we would like for you to complete.

The most important is the Budget Worksheet. 

We recommend that you download the file (using the link above) to your computer and then re-open it, rather than completing it in the browser. We are looking for your expenses on an annual basis, but don't worry about computing each item; you will be able to enter the amount and frequency of your expense payments and the sheet will do the math for you. On the credit card section on the top of the first page, we ask that you think in terms of balances that you carry; if you pay off your balance every month, this will be zero. We want to capture all of your expenses without duplication, so we need to be careful not to double-count a particular expense under the credit card and under the individual expense category.

We also ask that you complete the Satisfaction Survey and the Life Transitions forms. We recommend that if you are married or partnered, that you each complete the Satisfaction Survey individually because your views may differ.  This is a great conversation starter!

Please also provide the documents listed below, if applicable:

• Wills
• Health Care Proxies
• Power of Attorney documents
• Trust documents
• Investment statements
  These should show the account types (IRA, TOD, etc.), holdings within the accounts, cost basis (the original cost of the
  holdings vs. their current value), and balances.
• Liability statements and terms
  Liabilities are your debts - these will be statements for things like mortgages, student loans, auto loans, etc.
  Life Insurance policies
• Disability Insurance policies
• Long Term Care policies
• Most recent tax return (including K-1s where applicable)
  This would include K-1’s where applicable &/or gift tax returns.
• Current pay stubs for one month
• Retirement plan statements and details
• Social Security projections
  These can be acquired from the Social Security Administration website at https://www.ssa.gov/ After creating an account, you will be able to access information from your Social Security record including earnings history and estimates of your retirement, disability and survivors benefits.

A printable list of all these documents can be downloaded here:

• Document Checklist - Personal Only
  
  You can bring the documents when we meet, but if you send them to us sooner we can begin entering your data into the model in advance of your meeting. We will send you an invitation to access your eMoney portal, where you will be able to securely upload to "the Vault" under the "Shared Files" folder.