01
Financial Overview
Snapshot of wealth, income, and monthly cash position
Net Worth →
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Assets — · Liabilities —
Portfolio Value →
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Investment accounts only
Monthly Income →
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— annually
Est. Monthly Expenses →
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Assumed living expenses
Documents We Need From You
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02
Key Indicators
Financial health ratios and readiness measures
Monthly Income Allocation
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Monthly
Total Income
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Taxes
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Savings
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Known Exp.
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Remainder
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Portfolio Composition
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Equity
Equity
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Bonds
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Cash
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Other
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Emergency Fund
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Months of expenses covered by liquid savings
Target: 6+ months
Financial Independence
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Net Worth ÷ Annual Expenses — how many years of spending you have saved
Target: 25× (retirement-ready)
Housing Cost Ratio
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What share of gross income goes to housing costs (mortgage, taxes, insurance)
Target: ≤ 30%
Debt-to-Income Ratio
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Monthly debt payments as a share of income — lenders use this to assess financial stress
Healthy: below 36% of gross income
Savings Rate
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Share of gross income being saved — a key driver of long-term wealth building
Cash Reserve
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Progress toward your emergency fund goal
Equity Allocation
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Share of investment portfolio held in equities — higher equity = more growth potential and more volatility
Effective Tax Rate
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Total taxes paid as a share of total income — your overall tax burden
Lower is better; compare to marginal rate
04
Goals
Financial objectives with progress tracking
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Next Meeting Agenda
Current planning priorities and annual review items
Agenda Items
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Annual Items
| Item | Category | Due |
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03
Cash Flow
Income, savings, expenses, and taxes breakdown
Monthly Breakdown
| Item | Monthly | Annual |
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Cash Flow Visual
First bar shows total income. Second bar shows how income is allocated.
Income—
Savings—
Taxes (Est.)—
Debt Payments—
Other Expenses—
Income After Savings & Taxes—
Income After Savings, Taxes & Debt—
Remainder (Discretionary)
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05
Tax Estimates
Current-year projection based on income and deductions
Tax Summary
Adjusted Gross Income (AGI)
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Your total income after above-the-line deductions
Average Tax Rate
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What you actually pay on every dollar earned
Top Tax Bracket (Federal)
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Rate on your next dollar of income
Long-Term Cap Gains Rate
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Rate on investments held 1+ year
Federal Bracket Position
— to lower bracket
— to higher bracket
State Tax Rate (FL)No State Income Tax
Total Federal Tax Rate (of AGI)—
Est. Federal Income Tax—
Est. State Income Tax (FL)$0
Est. Total Income Tax—
Tax Return Last Reviewed2024
Tax Planning Notes
1
Roth Conversion Opportunity
Review conversion amounts annually. Check bracket room below.
2
Strategic Withdrawals
Prioritize taxable brokerage and pre-tax accounts. Review withdrawal sequencing annually.
3
Capital Gains Rate = —
Long-term gains taxed favorably. Maintain tax-efficient holdings in taxable brokerage.
4
Annual Tax Return Review
Verify taxable income and deductions match plan assumptions during Q1 review.
06
Investment Portfolio
Account balances, allocations, and risk profile
Account Summary · Total —
Taxable: —
Pre-Tax Retirement: —
Roth: —
Cash & Savings: —
Other: —
| Account | Owner | Type | Risk | Value |
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By Asset Type
Stocks
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Bonds
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Cash
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Other
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US vs. Non-US
US
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Non-US
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By Tax Type
Pre-Tax
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After-Tax (Roth)
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Taxable
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Portfolio Risk Profile
Your Risk Tolerance
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Comfort with volatility (1–100)
Portfolio Risk Score
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Comparing to stated tolerance
Risk Gap
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Portfolio score − tolerance
Top 5 Holdings
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Suitability Profile
Investment Objective—
Financial Situation—
Time Horizon—
Investment Experience—
Liquidity—
07
Retirement Income
Spending capacity, guardrails, and income sources
Monthly Spending Capacity
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Estimated at retirement
Current Net Income (Less Debt)
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Monthly take-home after debt
Retirement Portfolio Target
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Spending Guardrails
When the portfolio hits a guardrail, adjust spending as shown below.
Portfolio Value at Guardrail
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↓
↓
↓
↓
Monthly Spending
⬇ Decrease Monthly Spend
Portfolio fell below target
✓ On Track
⬆ Increase Monthly Spend
Portfolio grew above target
Future Income Sources
| Source | Start | Monthly |
|---|---|---|
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Current Retirement Contributions
| Account | Monthly |
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Plan Analysis
Plan Length—
Real Return—
Portfolio Allocation Model—
Retirement Income—
Plan Analysis—
08
Retirement Timeline
Key dates and milestones ahead
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10
Net Worth Detail
Full asset and liability breakdown
Assets · —
| Asset | Value | Updated |
|---|---|---|
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Liabilities
| Liability | Balance | Updated |
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Net Worth Summary
Total Assets
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Total Liabilities
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Net Worth
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Portfolio History