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
Action Needed
Please gather and upload the documents listed below so we can keep your plan up to date. Click the button at the bottom to upload directly to your secure folder.
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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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ⓘ Remainder = Income − Savings − Taxes − Debt. Other known expenses tracked separately.
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—
09
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
10
Retirement Income
Your sustainable income estimate, portfolio target, and guardrail scenarios
Estimated Monthly Retirement Income
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Sustainable withdrawal at retirement
Based on your target portfolio & withdrawal rate
Your Current Net Monthly Income
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Today's take-home after debt payments
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Retirement Portfolio Target
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Portfolio needed to sustain your retirement income estimate
What Happens If Your Portfolio Changes?
Your monthly income estimate is based on your target portfolio. If the portfolio rises or falls, your sustainable spending adjusts accordingly — here's what that looks like.
⬇ If Portfolio Falls
Portfolio drops to
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—% below target
Adjusted monthly income
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—/mo change
✓ On Target
Portfolio at target
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Your goal
Monthly income estimate
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Baseline
⬆ If Portfolio Grows
Portfolio grows to
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—% above target
Adjusted monthly income
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—/mo change
Future Income Sources
| Source | Start | Monthly |
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Current Retirement Contributions
| Account | Monthly |
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Plan Analysis
Plan Length—
Inflation Assumption—
Real Return—
Portfolio Allocation Model—
Retirement Income—
Plan Analysis—
Last Updated—
11
Future Timeline
Key dates and milestones ahead
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