Financial Profile Questionnaire

Transcription

1 Financial Pofile Questionnaie This compehensive, pesonal financial summay is designed to help you take inventoy and assign ealistic values to you pesonal assets and liabilities. It is the essential fist step in oganizing you financial futue. At The Bowning Goup II, LLC, ou goal is to help you make the ight decisions fo you financial futue. The infomation you povide in this questionnaie will assist us in making sound ecommendations with confidence. BASIC INFORMATION: You Name Bith date (mm/dd/yyyy) Place of Bith (State) Social Secuity # Spouse s Name Bith date (mm/dd/yyyy) Place of Bith (State) Social Secuity # Addess City State Zip Home Phone Cell Phone Addess Mothe s Maiden Name Fax Spouse s Cell Phone Spouse s Addess Spouse s Mothe s Maiden Name Dependent Bith date (mm/dd/yyyy) SS# Dependent Bith date (mm/dd/yyyy) SS# Dependent Bith date (mm/dd/yyyy) SS# OCCUPATION: You Job Title Employe & Addess(last, if etied) # of Yeas Retiement Date Spouse s Job Title Employe & Addess(last, if etied) # of Yeas Retiement Date

2 FAMILY INCOME: ANNUAL INCOME Pimay Spouse Employment (wages, salaies, bonuses) Social Secuity income Pension Income Rental Income Investment income Othe income taxable TOTAL ANNUAL INCOME Do you expect a significant change in cash flow in the nea futue Yes No RETIREMENT GOALS: Desied Retiement Age Desied Retiement Monthly Income # of Yeas Retiement Date INVESTMENT ACCOUNTS: Non- Qualified Accounts, Qualified Accounts, Savings Accounts LIST ACCOUNT TYPE: IRA, ROTH, 401(K) 457, SAVINGS, INVESTMENTS, ETC. Financial Institution Account Type Value Monthly Contibution YFB Available Y N

3 REAL ESTATE: Outstanding Yeas Payment Additional Real Estate Value Motgage Balance Remaining Inteest % P/I Only Monthly Payment Pimay esidence Vacation home/rental Vacation home/rental OTHER DEBT: Student Loans, Cedit Cads, Auto Loan, Line of Cedit, etc. Name Amount Owed Inteest Rate Minimum Payment Actual Monthly Payment LIFE INSURANCE: PRIMARY Y N Geneal Health: Tobacco Use: Insuance Policy #1: Death Benefit: $ Pemium: $ Pemanent o Tem: Cash Value: $ Pemium Mode: Annual Monthly Insuance Policy #2: Death Benefit: $ Pemium: $ Pemanent o Tem: Cash Value: $ Pemium Mode: Annual Monthly SPOUSE Y N Geneal Health: Tobacco Use: Insuance Policy #1: Death Benefit: $ Pemium: $ Pemanent o Tem: Cash Value: $ Pemium Mode: Annual Monthly Insuance Policy #2: Death Benefit: $ Pemium: $ Pemanent o Tem: Cash Value: $ Pemium Mode: Annual Monthly

4 MONTHLY FAMILY EXPENSES: Fixed $ Vaiable $ TOTAL $ GENERAL: Ae you anticipating any majo lifestyle changes? Yes No Uncetain (i.e., maiage, divoce, etiement, moving, etc.) If so, what changes ae you expecting? Ae you comfotable with you cuent cash flow? Yes No Uncetain Do you anticipate any significant changes in you cash flow? Yes No Uncetain Do you anticipate any majo expenditues in the nea futue? Yes No Uncetain If so, what expenditues ae you expecting? PROTECTION: Do you have any potential health poblems? Yes No Uncetain Do you have adequate medical coveage? Yes No Uncetain Do you have adequate pesonal liability coveage? Yes No Uncetain Amount $ Do you have enough life insuance? Yes No Uncetain Do you have an emegency fund (money set aside in savings)? Yes No Uncetain

5 ESTATE PLANNING: Do you have updated/adequate wills? Yes No Uncetain Have you established any tusts? Yes No Uncetain Will you be eceiving a significant inheitance? Yes No Uncetain Have you adequately consideed estate taxes? Yes No Uncetain Have you povided adequate estate liquidity fo you heis? Yes No Uncetain Is pope titling a concen? Yes No Uncetain Do you have long-tem health cae coveage? Yes No Uncetain CONCERNS: Please list any concens you may have: GOALS: What ae you majo objectives fo you investments? Cuent and futue income Keeping ahead of inflation Peseving capital Inceasing etuns Building wealth fo heis Investment Goals Low Pioity High Pioity Retun should exceed inflation ate Pincipal should be safe Investments should be liquid (immediately accessible) Divesification is impotant I want to educe my taxable income I want to build tax-fee income I am inteested in long-tem gowth I am inteested in shot-tem pofits

6 RISK PROFILE: 1. What is you age? A. 30 yeas o unde B C D Assume you ae investing $100,000 and have the following hypothetical potfolios fom which to choose. The dolla values below epesent the two possible values of these potfolios afte one yea low and high. Assuming thee is an equal chance of achieving eithe esults (low o high), indicate which potfolio epesents the maximum isk/etun tade-off you would be willing to accept. A. Potfolio 1 B. Potfolio 2 C. Potfolio 3 D. Potfolio 4 E. Potfolio 5 F. Potfolio 6 * This example is hypothetical and fo illustative puposes only. It does not epesent any paticula investment. 3. You investable assets ae: A. Geate than you cuent income B. Less than you cuent income 4. Keeping in mind you investment goals fo you account and you toleance fo shot-tem maket fluctuations, whee would you place youself on the following isk toleance scale? A. 1 (least isk toleant) B. 2 C. 3 D. 4 E. 5 F. 6 G. 7 H. 8 I. 9 J. 10 (most isk toleant) 5. Ove the next seveal yeas, you expect you annual income to: A. Stay about the same B. Gow modeately C. Gow substantially D. Decease modeately E. Decease substantially 6. What do you expect to be you next majo expenditue? A. Buying a house B. Paying fo a college education C. Poviding fo etiement D. Capitalizing a new business 7. When do you expect to use the bulk of the money you ae accumulating in you investments? A. Any time in the coming months. Liquidity is highly impotant. B. Pobably in the futue 1 to 5 yeas fom now. C yeas fom now D yeas fom now

7 8. Life insuance may be useful in potecting assets and/o in educing any subsequent estate tax liabilities. Which of the following best descibes you situation? A. I have adequate life insuance B. I do not have life insuance, but I plan to acquie it in the nea futue C. I do not have any life insuance and do not intend to acquie any 9. What is the investment time hoizon most appopiate fo this account? If you ae highly concened about volatility and looking fo shot-tem esults, answe 1 yea. If you ae less concened with volatility and ae looking to maximize longtem pefomance, answe 8+ yeas. A. 1 yea B. 1 3 yeas C. 4 7 yeas D. 8+ yeas 10. Which of these plans would you choose fo you investment dollas? A. You would opt fo maximum divesity, dividing you potfolio among all available investments, including those anging fom highest etun-geatest isk to lowest etun-lowe isk. B. You ae concened about having too much exposue to any single asset class. You would divide you potfolio between two investments with high ates of etun and modeate isk. C. You would put you investment dollas in the investment with the highest ate of etun and most isk. 11. If you wee to invest in one mutual fund investment option, which of the following would you choose? A. A fund that invests in companies holding the potential to make significant technological beakthoughs, and whose stocks ae still at thei low initial offeing pices. B. A fund that only invests in established, well-known companies that have potential fo continued gowth. C. A boadly divesified fund devoted to well-established, blue chip companies that pay dividends. 12. Assume you ae investing in a bond. Which of the following would you choose? A. A high yield bond that offes a highe yield than most othe bonds, but also has a highe isk of default than investment gade bonds. B. A teasuy bond that offes a elatively low inteest ate, but is backed by the United States Govenment. C. The bond of a well-established company that offes a yield and level of isk somewhee between a teasuy bond and a high yield bond. D. A tax-fee bond because minimizing taxes is you pimay investment objective. 13. Select the answe below which best eflects you investment philosophy towad isk and etun. A. My pimay goal is the pesevation of my capital. I desie etuns slightly exceeding those of isk-fee investments. Accodingly, I want my potfolio isk level to be low, with minimal pice volatility. B. Gowth of capital is my pimay objective. I am willing to accept the highe volatility that is associated with this goal. I want to outpefom equity indices ove the couse of maket cycles. 14. My pimay eason fo building this account potfolio is: A. Retiement B. To povide fo my family C. Fo speculative investments

8 I have eviewed the esults of my Investment Pofile Questionnaie and agee that this eflects my financial needs, time hoizon and willingness to accept isk. Client Signatue Date Pint Name Client Signatue Date Pint Name Thank You Any ates of etun shown ae fo illustative puposes only and ae neithe guaanteed no implied. Actual ates of etun will be based upon the actual pefomance of selected investments. Taxes and fees ae not a consideation in the illustated etuns. 2 Inveness Dive East, Suite 187 Englewood, CO Phone: NFP Adviso Sevices, LLC does not povide legal o tax advice. Any decisions whethe to implement these ideas should be made by the client in consultation with pofessional financial, tax and legal counsel. Secuities and Investment Advisoy Sevices offeed though NFP Adviso Sevices, LLC (NFPAS), membe FINRA/SIPC. The Bowning Goup II, LLC is a membe of Patnes Financial, a platfom of NFP Insuance Sevices, Inc. (NFPISI), which is an affiliate of NFPAS. The Bowning Goup II, LLC is not affiliated with NFPAS and NFPISI.