CLIENT PROFILE. The Austin-Decher Group at Morgan Stanley Smith Barney

Transcription

1 CLIENT PROFILE The Austin-Decher Grup at Mrgan Stanley Smith Barney 600 Thimble Shals Blvd. Suite # 110 Newprt News, VA / Wanda M. Austin Senir Vice President-Wealth Management Financial Planning Specialist Prtfli Management Directr Jhn E. Decher III Senir Vice President-Wealth Management Senir Prtfli Manager Financial Advisr Christina M. Austin Secnd Vice President Senir Prtfli Manager Financial Advisr

2 CLIENT INFORMATION Persnal Infrmatin Name Date f Birth Scial Security # Client 1 (C1) Client 2 (C2) Hme Address City State Zip Cde Hme Phne ( ) Business Phne (C1)( ) Business Phne (C2) ( ) Cell Phne (C1) ( ) Cell phne(c2) ( ) (C1) Emplyer (C1) Title / Prfessin (C1) Emplyer Address (C1) Length f Emplyment Mther s Maiden Name City f Birth (C2) Emplyer (C2) Title / Prfessin (C2) Emplyer Address (C2) Length f Emplyment Mther s Maiden Name City f Birth Children 1) 2) 3) 4) Name Date f Birth Dependent (Y/N) Grandchildren 1) 2) 3) 4) 5) 6) Name Date f Birth Dependent (Y/N) 2

3 Family Advisrs ACCOUNTANT Name: Firm: City : State: Phne # - - ATTORNEY Name: Firm: City : State: Phne # - - EXECUTOR Name: Firm: City : State: Phne # - - Planning Objectives In rder f imprtance. Please list yur bjectives and cncerns. Tell us what yu expect frm this analysis, t the best f yur ability. 1) 2) 3) 4) 5) Tax Infrmatin (Please attach mst current tax returns) Salary (C1) (C2) Other Incme (Pensin, Rental, etc.) (C1) (C2) Please list the surce (C1) (C2) Ttal Husehld Incme = Itemized Deductins (if applicable) Tax Filing Status/Tax Bracket 3

4 Persnal Prperty and Liabilities ASSET INFORMATION Current Ownership Market Value Balanced Owed Lan Rate (C1, C2, Jint, %) Primary Residence Secndary Residence Rental Prperty Autmbiles Other Persnal Prperty Other Liabilities Investment Asset Infrmatin In this sectin, please list all Investment, Retirement, & Savings Accunts (Please attach mst recent statements) Firm/Bank/Cmpany Accunt Title / Name Apprximate Annual Name (Jint, IRA, Trust, etc) Market Value Cntrib. / Withdraws D yu currently have a business relatinship with anther Mrgan Stanley Smith Barney Financial Advisr? Yes N 4

5 RETIREMENT ANALYSIS Retirement Gals What is yur desired Retirement Age (C1) (C2) What is yur desired AFTER-TAX Annual Retirement Incme. (in tday s dllars) (C1) TOTAL INCOME: (C2) Are there any ther incme needs during yur retirement perid? (E.g.: Educatin funding fr children / grandchildren, secndary residence, etc.) Descriptin Annual Amunt Start Year Stp Year # 1) $ # 2) $ # 3) $ Retirement Accunts Please list the current values, annual persnal cntributins, and emplyer match cntributins int yur qualified retirement accunts. Client 1 Client 2 VALUE CONTRIB. MATCH VALUE CONTRIB. MATCH Prfit Sharing / Mney $ $ $ $ $ $ Purchase Plans IRA Accunts $ $ $ $ $ $ 401K/ Deferred Cmp $ $ $ $ $ $ Other (TSA, SEP, Kegh) $ $ $ $ $ $ Wh have yu named as beneficiaries? Client 1: Client 2: Spuse Children Estate Charity Trust Other Spuse Children Estate Charity Trust Other 5

6 Retirement Incme Please list any funds frm emplyer spnsred defined benefits plans available t yu during yur retirement. Examples: Trust Incme, Military Retirement, Supplemental Incme, etc. Client 1 Client 2 Pensin Incme: $ $ (Est. in Annual Future Dllars) Age Incme will: Start Stp Start Stp Survivr Benefit: Yes N Yes N Other Incme: $ $ (Est. in Annual Future Dllars) Age Incme will: Start Stp Start Stp Survivr Benefit: Yes N Yes N Scial Security $ $ (List Est. benefit if knwn) Age Incme will: Start Start Please attach cpy f Scial Security benefit statement if available. Other Cmments / Ntes (Retirement) 6

7 ESTATE PLANNING General Infrmatin Please prvide cpies f any estate planning dcuments. Client 1 Client 2 D yu have a Trust? Date f executin r last updated: D yu have any f the fllwing trusts in place? Revcable Living Q Tip Generatin Skipping Charitable Marital/Family Life Insurance Have yu retitled sufficient assets t assure yur estate planning dcuments will be executed? Yes N Yes N D yu have a will? Date f executin r last updated: D yu have a Durable Pwer f Attrney? Yes N Yes N Name: Name: Estate Planning Objectives What is the AFTER-TAX mnthly incme yu wuld like yur survivrs t have in tday s dllars? $ Wh are the survivrs t whm yu want t prvide incme supprt? Name: Name: Name: Relatinship Relatinship Relatinship Wh wuld act as the executr f yur estate? Name: Relatinship Have yu made r plan t make any significant gifts (ver $ 11,000.00) t friends, relatives, r charities? Yes N Cumulative Amunts 7

8 EDUCATION ANALYSIS Educatinal Needs Analysis # Years Name Schl Name State Private / Public? Start Year Attending Funds Available Type f Accunt Assets Annual Name (529, UGMA, Other) Available Cntributin $ $ $ $ $ $ $ $ $ $ Ntes / Cmments: 8

9 LIFE INSURANCE NEEDS ANALYSIS Existing Life Insurance Plicies Owner Carrier / Insurance Type f Death Cash Annual (C1 r C2) Cmpany Plicy Benefit Value Beneficiary Premium $ $ $ $ $ $ $ $ $ $ $ $ $ $ $ Risk Management Client 1 Client 2 Disability D yu have Lng Term Disability Cverage? Yes N Yes N If Yes, please list amunt f cverage. $ $ Life D yu have Cmpany Grup Life Insurance? Yes N Yes N If Yes, please list amunt f cverage. $ $ Lng Term Care D yu have Lng Term Care Insurance? Yes N Yes N If Yes, please list yur daily benefit amunt? $ $ If Yes, what is yur annual premium? $ $ Ntes / Cmments (Insurance) 9

10 Risk Tlerance Questinnaire Please take a mment t answer the fllwing risk tlerance questins: 1. What is yur primary financial gal? Wealth preservatin r emergency savings Current incme Educatin funding Retirement planning Lng term wealth accumulatin 2. D yu expect t remve any mney frm, r add any mney t, yur prtfli? Remve sme mney in the shrt term (0 3 years) Remve sme mney in the intermediate term ( 3 10 years) I d nt intend t add r remve any mney Add sme mney in the intermediate term ( 3 10 years) Add sme mney in the shrt term (0 3 years) 3. Which slutin describes yur expected (nn-investment prtfli) earnings ptential ver the perid yu plan t hld yur prtfli? I have n current earnings frm a jb Expect earnings t decrease (retirement, change t part time, etc.) Expect earnings t increase at the same rate as inflatin Expect earnings t increase at a rate higher than inflatin (new jb, prmtin, etc) 4. What is the factr yu wuld cnsider mst imprtant befre chsing an investment? The safety f yur investment principal The amunt f mnthly incme yur investment will generate Hw quickly the investment will grw withut regard t lss ptential 10

11 5. Are there any current assets that yu wuld nt cnsider selling in an attempt t build a mre suitable prtfli? 6. Please check the bx fr any asset classes that yu prefer nt t have in yur prtfli: Asset Class Cmments Large cap stcks Mid cap stcks Small cap stcks Internatinal stcks Emerging markets stcks Shrt term bnds Intermediate term bnds Lng term bnds Internatinal bnds Municipal (tax advantaged) bnds High Yield Bnds Real estate investment trusts Cash / Mney Market. Other 7. What ther infrmatin wuld be relevant in determining an apprpriate asset allcatin fr yu? 11

12 Persnal Dcument Checklist When the prfile frm is cmpleted, please attached the items listed belw and return it t the Austin-Decher Grup at Smith Barney. Based n the infrmatin yu prvided, we will perfrm a financial analysis. Financial Statements frm brkerage firms and banks Custdial Accunts Statements Cllege Funding Plan Statements A cpy f yur previus year s tax return. Wills / Estate Planning Dcuments Life Insurance statements. Benefits Statements frm yur emplyer regarding retirement plans and ther emplyerspnsred plans Scial Security benefit statement (if yu have received ne) Mrtgage infrmatin 12

13 Cntact Infrmatin / Questins Please give us a call r if yu have any questins. The Austin-Decher Grup at Mrgan Stanley Smith Barney Mrgan Stanley Smith Barney LLC. Member SIPC. Wanda M. Austin Senir Vice President-Wealth Management Financial Planning Specialist Prtfli Management Directr Jhn E. Decher III Senir Vice President-Wealth Management Senir Prtfli Manager Christina M. Austin Secnd Vice President Senir Prtfli Manager Victria A. Hemiup Chartered Retirement Plans Specialist Senir Registered Assciate Miranda E. Fulk Client Service Assciate Mrgan Stanley Smith Barney 600 Thimble Shals Blvd. Suite # 110 Newprt News, VA / Fax: wanda.m.austin@smithbarney.cm INVESTMENT AND INSURANCE PRODUCTS: NOT FDIC INSURED NO BANK GUARANTEE MAY LOSE VALUE