Retirement Accounts
We need to see your current retirement savings to assess your readiness and identify opportunities.
Employer Plans Priority
Bring your most recent quarterly or annual statement for any 401(k), 403(b), or 457 plan. We're looking for your current balance, contribution rate, and employer match details. If you have old plans from previous employers, include those statements as well.
IRAs Priority
Current statements for all Traditional and Roth IRA accounts, including any rollover IRAs from previous employers. If you have multiple IRAs across different custodians, include a statement from each.
Business Retirement Plans If Applicable
If you have a SEP IRA, Solo 401(k), SIMPLE IRA, or other business retirement plan, bring the most recent statement. If you're considering setting up a plan, we'll discuss options during our meeting.
Pension or Defined Benefit Plans If Applicable
If you have a pension, bring your most recent benefit statement showing your projected monthly benefit and the age at which it becomes available.
Investment & Savings Accounts
Non-retirement accounts that are part of your overall financial picture.
Brokerage Accounts Priority
Recent statements for any taxable investment accounts you hold at firms like Vanguard, Fidelity, Schwab, or others. Include any managed accounts, individual stocks, or brokerage CDs.
Bank Accounts & HSA
Recent statements for checking and savings accounts showing current balances. If you contribute to a Health Savings Account, include that statement as well — HSAs are a valuable planning tool we want to incorporate.
Education Savings
If you have a 529 plan, Coverdell ESA, or other education savings accounts, include the most recent statements showing current balances and contribution history.
Insurance Policies
Reviewing your insurance coverage helps us identify gaps and ensure your family is protected.
Life Insurance Priority
Bring policy documents or declarations pages for all life insurance you carry — term, whole life, or employer-provided. We need the coverage amount, premium, policy type, and beneficiary designation for each.
Disability Insurance
If you have disability coverage (through your employer or individually), bring the policy summary showing the monthly benefit amount, elimination period, and benefit period.
Health Insurance
A summary of your health plan benefits showing your deductible, out-of-pocket maximum, and whether you're on a High Deductible Health Plan eligible for HSA contributions.
Other Policies
If you have umbrella liability coverage, long-term care insurance, or any business insurance policies (general liability, professional liability, key person, buy-sell), include those declarations pages as well.
Estate Planning Documents
These documents ensure your wishes are honored. If you don't have them yet, that's an important conversation for our meeting.
Will, Trust & Powers of Attorney
If you have a current will, living trust, financial power of attorney, healthcare power of attorney, or living will/advance directive, bring copies. If any of these are outdated or if you haven't created them yet, just make a note — we'll discuss what's needed.
Beneficiary Designations
A list of current beneficiaries on your retirement accounts, life insurance policies, and investment accounts. These designations override your will, so it's important that they're up to date.
Debts & Liabilities
A clear picture of what you owe helps us create an effective payoff strategy alongside your other goals.
Mortgage & Real Estate
Your most recent mortgage statement showing the outstanding balance, interest rate, and monthly payment. If you own rental property or have a second home, include those mortgage statements as well along with recent property tax assessments.
Other Debts
For any student loans, auto loans, credit card balances, home equity lines of credit, or business loans, bring statements or a summary showing the balance, interest rate, and minimum payment for each. If you've already noted these in the Financial Planning Discovery form, no need to repeat — but having the actual statements helps us verify the details.
Income & Employment
Understanding your income sources helps us optimize tax planning and cash flow.
Pay Stubs & Benefits
If you're employed, bring a recent pay stub showing your gross income, withholdings, and deductions. Also include your employer benefits summary — specifically the 401(k) match details, stock option or RSU information, and any other compensation beyond base salary.
Social Security Estimate
Your most recent Social Security benefit estimate, available at ssa.gov. This is especially important if you're within 15 years of retirement — it helps us project your retirement income accurately.
Business Documents Business Owners
If you own a business, bring your operating agreement or partnership documents, any existing business valuations, and your buy-sell agreement or succession plan if you have one. Recent profit and loss statements and balance sheets are also helpful.