stonegate...3) what traits (personal & professional) are you looking for in your financial...
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S T O N E G A T ES T O N E G A T E
An Independent FirmF I N A N C I A L
02
WHEN WE BEGIN OUR RELATIONSHIP WITH CLIENTS, THERE ARE TWO FUNDAMENTAL QUESTIONS WE’RE ASKED WHEN WE START TALKING ABOUT RETIREMENT. MAYBE YOU’VE THOUGHT ABOUT THEM, TOO:
1. Will I make it?2. Do I have any financial blindspots?
With those two questions in mind, and to provide you with comprehensive wealth management
services necessary to pursue your financial goals both today and throughout your life, we focus on
four key areas:
• Financial Planning
• Investment Management
• Retirement Strategies and Income Planning
• Life Transitions
OUR GUIDING PROCESS:
The professionals at Stonegate Financial use a comprehensive wealth planning process to develop
a unique and personalized financial plan that will provide the foundation for pursuing your goals.
1. DISCOVERY
Together we’ll find out where your life is today relative to where you want your life to be tomorrow.
We’ll discuss your goals and learn about your investment history and how comfortable you are with
different levels of risk.
2. ANALYSIS
Once we have analyzed the information you’ve provided us, we’ll present our recommendations,
answer your questions, consider alternatives, and outline the steps we need to take to implement
your plan.
3. IMPLEMENTATION
Once you fully understand and are satisfied with our recommended strategy, we will implement your
plan using the extensive research and resources available to us.
4. ONGOING MONITORING
We will continually work with you to monitor your plan’s progress relative to your defined objectives
and advise any changes when and where needed. We’ll provide ongoing reporting of your account
activity and conduct periodic reviews.
There is no assurance that any investment strategy will be successful. Investing involves risk and investors may incur a profit or a loss.
03
IN PREPARATION FOR OUR DISCUSSIONS
In order to thoroughly define your goals and prioritize your needs and objectives, please complete this
financial profile. In addition to the questions asked, we request that you provide us with any additional
information that you feel is pertinent to your financial situation. This may include copies of the following:
• Your Most Current Tax Return
• Your Investment or Brokerage Statement(s)
• Your Retirement Plan Statement(s)
• Your Benefits and Insurance Policy Statements
• A Recent Pay Receipt
• Social Security Income Statement
In addition to the information requested above, please be prepared to discuss the following (if applicable):
• Savings Rate and Budget Analysis
• Current and Long-Term Liabilities
• Age at Which You Wish to Stop Working
• Income at Retirement Coupled with Social Security
• Current or Future Estate and Legal Needs
COMPLETING THE FINANCIAL PROFILE
On the following pages, we request that you complete the data to the best of your ability. If you would
like our help or guidance, we would be happy to assist you during the data gathering process.
Please know that all personal and financial data discussed and collected is treated with strict confidentiality
whether or not you become a client. By completing this form, we will assume that the information provided
is both complete and accurate to the best of your ability.
04
CONCERNS AND OBJECTIVES:
General QuestionsAre you anticipating any major lifestyle changes? (retirement, moving, etc.) Yes No Uncertain
If so, what changes are you expecting? ___________________________________________________________
Are you comfortable with your current cash flow? Yes No Uncertain
Do you anticipate any significant changes in your cash flow? Yes No Uncertain
Do you anticipate any major expenditure in the near future? Yes No Uncertain
If so, what expenditures are you expecting? ________________________________________________________
Retirement Planning Client 1 Client 2At what age do you hope to retire? ____________ ____________
If you plan on working after retirement, estimate your expected income: ____________ ____________
How long do you plan on working after retirement? ____________ ____________
ProtectionDo you or your spouse have any potential health problems? Yes No Uncertain
Do you and your spouse have adequate medical coverage? Yes No Uncertain
Do you and your spouse have disability coverage? Yes No How much ____________ ____________
Do you and your spouse have personal liability coverage? Yes No How much ____________ ____________
Do you and your spouse have life insurance? Yes No How much ____________ ____________
Do you have long-term care coverage? Yes No How much ____________ ____________
Do you have an emergency fund (money set aside in savings)? Yes No How much ____________ ____________
Estate PlanningDo you have updated/adequate wills? Yes No Uncertain
Have you established any trusts? Yes No Uncertain
Are you the beneficiary of any trusts? Yes No Uncertain
Will you be receiving a significant inheritance? Yes No Uncertain
Is proper titling of property a concern? Yes No Uncertain
ConcernsPlease list any concerns you might have: _________________________________________________________
______________________________________________________________________________________________
______________________________________________________________________________________________
05
PLEASE LIST TWO OF YOUR FINANCIAL GOALS FOR THE FOLLOWING TIME-FRAMES:
1 – 2 years: _____________________________________________________________________________
______________________________________________________________________________
3 – 5 years: _____________________________________________________________________________
______________________________________________________________________________
10+ years: ______________________________________________________________________________
______________________________________________________________________________
FINANCIAL AND PERSONAL PLANNING QUESTIONS:
1) What worries you about your current financial situation? _____________________________________________
______________________________________________________________________________________
______________________________________________________________________________________
2) If you are not on track, what are you willing to change to get back on track? _______________________________
______________________________________________________________________________________
______________________________________________________________________________________
3) What traits (personal & professional) are you looking for in your financial planner? __________________________
______________________________________________________________________________________
______________________________________________________________________________________
4) What are your expectations of the professionals at Stonegate Financial, this process and this experience? ___________
______________________________________________________________________________________
______________________________________________________________________________________
5) If we can help you accomplish one thing in the next 6 months, what would that be? ___________________________
______________________________________________________________________________________
______________________________________________________________________________________
6) Describe your experience(s) with other advisors (legal, tax, financial, etc.) _________________________________
______________________________________________________________________________________
______________________________________________________________________________________
7) What is something that you enjoy doing outside of work? _____________________________________________
______________________________________________________________________________________
______________________________________________________________________________________
Please go to last page to note any additional questions you may have.
06
HOUSEHOLD INFORMATION:
Physical Address _______________________________
________________________________
Mailing Address ________________________________
(if different) ________________________________
Home Phone ________________________________
CHILDRENName DOB
____________________________ ___________
____________________________ ___________
____________________________ ___________
____________________________ ___________
____________________________ ___________
CLIENT 1 CLIENT 2
Personal Information:
___________________________________ Legal Name __________________________________
___________________________________ Preferred Name __________________________________
___________________________________ Social Security Number __________________________________
___________________________________ Date of Birth __________________________________
___________________________________ Cell Phone __________________________________
___________________________________ Work Phone __________________________________
___________________________________ Personal Email __________________________________
___________________________________ Work Email __________________________________
___________________________________ Best way to reach me __________________________________
___________________________________ Employer/Retired __________________________________
___________________________________ Position/Former Title __________________________________
___________________________________ Driver’s License Number __________________________________
___________________________________ Expiration Date __________________________________
___________________________________ State of Issue __________________________________
(as appears on statements)
(home/cell/email, etc.)
07
Beneficiary Information:CLIENT 1
Primary/Contingent Name SS# DOB %
CLIENT 2
Primary/Contingent Name SS# DOB %
Account Suitability:
Account Financial Information
Combined Annual Income Combined Net Worth Excluding Personal Residence(s)
¨ $0-$19,999 ¨ $0-$19,999
¨ $20,000-$50,000 ¨ $20,000-$50,000
¨ $50,001-$100,000 ¨ $50,001-$100,000
¨ $100,001-$200,000 ¨ $100,001-$250,000
¨ $200,001-$500,000 ¨ $250,001-$500,000
¨ $500,001-$1,000,000 ¨ $500,001-$1,000,000
¨ Over $1,000,000 ¨ $1,000,001-$5,000,000
¨ Over $5,000,000
Investment Experience
Provide your experience, if any, with the following investment types
None Limited Moderate Extensive
Equities ¨ ¨ ¨ ¨
Bonds ¨ ¨ ¨ ¨
Options/Futures ¨ ¨ ¨ ¨
Mutual Funds ¨ ¨ ¨ ¨
Annuities ¨ ¨ ¨ ¨
Margin Trading ¨ ¨ ¨ ¨
08
MORE INCOME INFORMATION:
Expected Monthly Income Sources:
INCOME AGE INCOME ENDS MONTHLY
Social Security (Receiving now? Yes or at age ________) _______________ $ _____________
Social Security (Receiving now? Yes or at age ________) _______________ $ _____________
Pension payments (Receiving now? Yes or at age ________) _______________ $ _____________
Employment income _______________ $ _____________
Current annuity income _______________ $ _____________
Other _______________ $ _____________
Total Monthly Income $ _____________
Total Annual Income $ _____________
Review and list all your assets:Indicate which of your financial assets are available and designated for funding your retirement.
FINANCIAL ASSETS OWNER DESIGNATED FOR RETIREMENT?
ANNUAL CONTRIBUTION
CURRENT VALUE
Checking account 1 _____________________ $ _____________ $ _____________
Checking account 2 _____________________ $ _____________ $ _____________
Bank savings/deposits _____________________ $ _____________ $ _____________
CDs _____________________ $ _____________ $ _____________
Brokerage account 1 _____________________ $ _____________ $ _____________
Brokerage account 2 _____________________ $ _____________ $ _____________
College savings/529 _____________________ $ _____________ $ _____________
401(k) 1 _____________________ $ _____________ $ _____________
401(k) 2 _____________________ $ _____________ $ _____________
IRA 1 _____________________ $ _____________ $ _____________
IRA 2 _____________________ $ _____________ $ _____________
Roth IRA 1 _____________________ $ _____________ $ _____________
Roth IRA 2 _____________________ $ _____________ $ _____________
Annuity assets* _____________________ $ _____________ $ _____________
Other _____________________ $ _____________ $ _____________
Total Financial Assets $ _____________ $ _____________
*Annuities you own that have not already been included in the account values or income sources you listed
09
NOTES AND ADDITIONAL QUESTIONS OR COMMENTS:
_________________________________________________________________________________________
_________________________________________________________________________________________
_________________________________________________________________________________________
_________________________________________________________________________________________
_________________________________________________________________________________________
_________________________________________________________________________________________
_________________________________________________________________________________________
Please list any other assets (nonfinancial) such as home, business, collectibles, investment properties, etc.
OTHER ASSETS OWNER VALUE
Residence ___________________________________________________________________________________________ $ ____________________
Business ____________________________________________________________________________________________ $ ____________________
Other ________________________________________________________________________________________________ $ ____________________
Total Other Assets $ ____________________
LIABILITIES AND EXPENSES
LIABILITIES
CURRENT BALANCE INTEREST RATE REMAINING PAYMENTS CURRENT MONTHLY PAYMENT
Mortgage
2nd Mortgage/ HELOC
Auto 1
Auto 2
Student Loan(s)
EXPENSES
Annual Current Living expenses (excluding liability payments above) $ ________________________
Annual “Vacation” Budget $ ________________________
Annual “Gifting” Expense $ ________________________
Projected Additional Expenses: How much? When?
Education $ ___________________ ________________________
Wedding $ ___________________ ________________________
Other $ ___________________ ________________________
Do you carry any credit card balance? Yes NoIf so, what is current balance and rate? $ ___________________ ____________________________ %
204 Towne Village Drive • Cary, NC 27513 T 919.460.4688 • F 919.460.3989 • sgfnc.com
Securities offered through Raymond James Financial Services, Inc., member FINRA/SIPC. Investment advisory services offered through Raymond James Financial Services Advisors, Inc. Stonegate Financial is not a registered broker/dealer and is independent of Raymond James Financial Services.
S T O N E G A T E
An Independent FirmF I N A N C I A L
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