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Welcome to your Some Questions to Ponder

1.

. PAPERWORK In an emergency, could someone in your family quickly find your important papers— birth certificate, bank account records, health care directive, insurance policies, credit card records, will, etc.?

Yes

No

2.

NET WORTH Do you know your current net worth and how you hold title to your various assets?

Yes

No

3.

CASH FLOW MANAGEMENT Do you have enough cash available (in bank accounts or easily cashed securities) to cover yourself and your family for at least six months of no work?

Yes

No

4.

BUDGET Do you and your family have a useful, written monthly budget?

Yes

No

5.

EXPENSES Do you think you’ll be able to pay ‘all your bills’ on time every month for the next 12 months without a paycheck?

Yes

No

6.

EMPLOYMENT BENEFITS Do you understand and, if appropriate, utilize all your employment benefits to your advantage?

Yes

No

7.

GOALS Do you know what’s really important to you; and have you written your personal and financial goals for yourself and your family?

Yes

No

8.

FINANCIAL INDEPENDENCE/RETIREMENT Do you know when you expect to be able to retire / become financially independent?

Yes

No

9.

FINANCIAL INDEPENDENCE/RETIREMENT Do you know how much income & assets you will need to enjoy your retirement years; to live a quality life, including any special gifts or bequests to family, friends and nonprofits?

Yes

No

10.

FINANCIAL INDEPENDENCE/RETIREMENT Have you calculated the amount of money required to reach your financial goals?

Yes

No

11.

MAJOR EXPENDITURES - Have you thought about and made a list of major expenditures you can expect over the next five years and where the money will come from to pay for them?

Yes

No

12.

INVESTMENTS - Do you think your current investment plan(s) will meet your retirement needs?

Yes

No

13.

TAX DEFERRAL Do you think you are making the best use of tax-deferred investment plans for retirement?

Yes

No

14.

TAXES Do you know the income tax rates on your last earned dollar?

Yes

No

15.

INSURANCE / RISK MANAGEMENT Do you think you have the right amount of insurance— life, health, disability, long-term-care, auto, home/renter’s, fire/flood/earthquake, liability, etc.—not too little, but not too much?

Yes

No

16.

ESTATE & GIFT PLANS Do you and your family have current wills?

Yes

No

17.

POWER OF ATTORNEY Do you and your family have a current Power of Attorney?

Yes

No

18.

ADVANCE HEALTH CARE DIRECTIVE Do you and your family have a current Advance Health Care Directive?

Yes

No

19.

CHARITABLE GIVING Are your favorite causes or nonprofits included within your estate & gift plans for a bequest, planned gift, or as a primary or alternate beneficiary for life insurance or retirement plans?

Yes

No

20.

TRUSTS Do you know the advantages and disadvantages of using trusts?

Yes

No

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