1 financial planning managing your personal records
2 our mission The mission of The USAA Educational Foundation is to help consumers make informed decisions by providing information on financial management, safety concerns and significant life events. This publication is not medical, safety, legal, tax or investment advice. It is only a general overview of the subject presented. The USAA Educational Foundation, a nonprofit organization, does not provide professional services for financial, accounting or legal matters. Consult your tax and legal advisers regarding your specific situation. Information in this publication could be time sensitive and may be outdated. The USAA Educational Foundation does not endorse or promote any commercial supplier, product or service. The Department of Defense, its military branches (Army, Marine Corps, Navy, Air Force, and Coast Guard) and other governmental agencies do not endorse or favor any of the suppliers, information, products, or services contained in this publication.
3 Table of contents July 2012 Save Time And Money 2 Your Taxes 3 The Master List Work Sheets 7 Personal Medical Records 24
4 2 Save Time And Money How easily can you answer the following questions: Where is your birth certificate? How much interest do you earn from savings and investments? If a fire destroyed your living room, what is the value of your personal possessions? Where would you find canceled or imaged checks to verify a deduction you claimed on last year s federal income tax return? How much have you invested in home improvements over the past 5 years? All of this information should be available in a simple, but well-organized recordkeeping system. Creating and maintaining a proper recordkeeping system does not require much time or money. Important This publication is designed so that you can record important personal and financial information. It is recommended that you store this information in a secure location away from your residence. It contains sensitive information that can be misused in the wrong hands. Handle your completed work sheets with care and caution. In this publication, you will learn which records are important to retain, how long to retain them and how to effectively organize them. Keep this information updated, since it will likely change over time. You should provide copies to your executor(s). Electronic Documentation You can reduce your paperwork by maintaining and updating some records on your computer. You may also buy commercial software programs that help you organize your financial records and prepare and file your federal income tax returns. Check with your financial institution to verify how long electronic records are stored. This publication is only a guide. The USAA Educational Foundation does not provide legal or tax advice, so you may want to seek the advice of tax, legal or financial planning professionals.
5 your taxes 3 Regularly recording federal income tax-related expenses can ensure that you do not overlook small expenses that can add up to significant annual deductions. If the IRS suspects you have substantially understated your income (unreported income amounting to more than 25 percent of the income shown on a federal income tax return), the IRS can audit federal income tax returns for the previous 6 years. If you are suspected of fraud, or if no federal income tax return was filed, the IRS can conduct an audit as far back as necessary. Safely store federal income tax returns and supporting documentation in the event of an audit by the IRS. Visit for more information. Some documents must be stored even longer for federal income tax purposes. For example, if you make nondeductible contributions to an individual retirement account (IRA), you must retain all records pertaining to the account until you have withdrawn your money from the IRA, which could be when you are over 70 years of age. If you own shares in a limited partnership, keep all documents for at least 3 years after all property in the partnership is sold. Preparing For Your Federal Income Tax Return When organizing information for preparation of your federal income tax return, create file folders to store information under categories such as the following: Banking. Include canceled or imaged checks and monthly account statements. Keep deposit, withdrawal and transfer slips until those transactions appear on monthly statements. Some financial institutions do not return the actual checks and deposit slips but instead send you a statement with several imaged checks on each page. The IRS will generally accept image statements in lieu of actual checks or deposit slips. If you use a debit card or make a cash withdrawal from an ATM, save the receipt and record the amount in your check register. Write the check number and date on the back of each corresponding bill or receipt you file. Your check register can be your guide to federal income tax-deductible expenditures, which can be highlighted with an asterisk in the margin when you write the check. If you are banking electronically, use the category options to indicate federal income tax-deductible transactions.
6 4 Deductible contributions. File and maintain receipts for cash contributions, canceled checks, expenses you incur for volunteer work and any receipts or records associated with charitable gifts, including donations of used clothing, equipment or furniture. Employment and business expenses. If you or your spouse have second jobs or are self-employed, keeping receipts and documenting business-related travel and business expenses is essential. It is helpful to save all receipts, even those 25 and under in case of an IRS audit. Your business log should identify what you spent, where, on what date and for what business purpose. Entries for dining and entertaining must identify the individuals entertained, along with company and title. Similarly, if you use a vehicle for business purposes, your log should indicate where you began and ended your trip, the number of miles traveled, the purpose of related business meetings and when they occurred. Recordkeeping is simplified when you record this information at the time you incur the expense. Use the back of your receipt and keep your log available. Home. If you are purchasing a home, retain copies of documents received at closing. In a separate folder, store receipts documenting home improvement expenses. Having records of the money you invested into your home may help reduce your federal income tax liability when you sell your home. If you do not have receipts, the IRS may accept other proof of expenditures such as canceled or imaged checks, contracts, building permits or before-and-after photographs. Retain all records relating to the purchase or sale of your home and any improvement expenses for at least 3 years after the year in which you file your federal income tax return which reports the sale of your home. If you sell a home to someone who assumes your Veterans Administration (VA) or Federal Housing Administration (FHA) loan, it is essential to keep closing and mortgage documents because you may be responsible for the loan until it is paid in full. In addition, retain records documenting your annual property tax payment and the statement of total interest paid from your mortgage lender.
7 5 Income. File your pay statements throughout the year. If your company provides an annual summary, be sure to keep the year-end statement. This summary may show totals for any health and dependent care account, Social Security taxes or other deductions. Keep records of any other income other than interest or investment income along with your IRS Form W-2. Individual Retirement Account (IRA) or other retirement plans. Once you file your federal income tax return, save all records documenting contributions (including IRS Form 5498) in a separate folder. You will need them to determine your federal income tax when you begin withdrawals. You should store all material pertaining to nondeductible IRA contributions since you will need it until the account is fully distributed. Also, keep records indicating retirement account distributions (for example, IRS Form 1099-R). Interest payments. File loan agreements, as well as credit card statements and purchase receipts, until the debts are paid. Totals for your interest payments generally are supplied by the lender. Investments and savings. Create separate folders for each different account or investment. Banks, stockbrokers and mutual fund companies will mail forms annually noting your total interest, dividend income or capital gains. In addition to those forms, file the following items for each category of investment: Certificates of deposit (CDs). Most banks provide account statements rather than actual certificates. Save the most recent statements or the certificate itself. Mutual funds. Save records showing your purchase price. When you sell, your gain or loss will be based on the difference between what you paid for the investment and what you receive when you sell the investment. Like stocks and bonds, mutual funds may pay dividends or interest. Moreover, funds may provide you with distributions of capital gains from the sale of investments in their portfolios. All of these payouts will be itemized on the form the mutual fund company sends you (for example, IRS Form 1099-DIV), and you will be subject to federal income tax on the gains for the year you receive them. If you choose to reinvest that money in additional fund shares, save the statements documenting the transactions. You will generally want to include those distributions as part of your cost basis when you sell your shares. Without those records, you risk overpaying capital gains tax on any gain when you sell shares. Most funds send you a statement each time there is a transaction in your account, including dividends or other payouts. If your fund sends a cumulative year-end statement listing all annual transactions, compare it with the periodic transaction statements you have saved.
8 6 If the year-end statement can serve as your complete record, you may not need to retain the individual ones. Stocks. File all trade confirmation slips, the most recent quarterly dividend reinvestment statement and year-end dividend reinvestment statements. Bonds. As with stocks, keep all confirmation slips. In addition, when you buy the bond, you usually must pay accrued interest to the seller at the time of purchase. That accrued interest you pay the seller can generally be deducted from your income that is taxable for federal income tax purposes. A record of that amount should be included on your confirmation slip. If bonds are sold prior to their maturity, the seller may experience a loss in bond value. Capital gains taxes on investments vary depending on the length of time the investment is held. When you sell, your capital gain generally will be the difference between the purchase price and the sales price. Real estate. For a second home or a vacation home, keep the same type of records as you would for your residence pertaining to purchase, sale and capital improvements. If you rent a vacation home to someone else, you also must keep a journal showing certain details including how many days you used it for personal purposes. Medical expenses. File records of physician and hospital bills, prescriptions and medicalrelated travel expenses. If your expenses were not high enough to qualify for a federal income tax deduction, these records generally need not be saved for federal income tax purposes after you file federal income tax returns.
9 The Master List Work Sheets 7 Use the work sheets that follow to compile a master list indicating where those important documents are located. This list outlines information you or someone acting on your behalf might need in an emergency. Will A will, also known as a last will and testament, specifies who gets testamentary property when you die. Generally, it is used to name a guardian for your minor children and to name executor(s) for your estate. The executor(s) will handle your affairs when the time comes to probate the will. Be sure to notify your survivors and executor(s) where your will is located. Date executed attorney location
10 8 Living Will Sometimes referred to as a directive to physicians, a living will outlines medical procedures you want taken if you become too ill to state your wishes. Each state has its own regulations and forms for living wills. You may obtain the proper form from an attorney or through some state medical associations. Include the names of those who have copies of your living will and directive to physicians. Date executed Location Name Power Of Attorney (POA) A POA is written authorization for someone to act on your behalf for whatever purpose you designate (for example, handling your financial affairs while you are out of the country). Include the name of the agent you appoint. Consider naming a successor agent in the event that your first choice is unable to perform the duties. A POA terminates, upon your death or upon notice from you. Date executed Location Name Durable Power Of Attorney (DPOA) A DPOA generally remains in effect if you become incapacitated and unable to manage your own personal and financial plans. Include the full name of the agent you appoint. A DPOA is generally effective until you revoke it or you die. Date executed Location Name
11 9 Health Care Power Of Attorney (HCPOA) A HCPOA allows you to appoint someone else to make health care decisions on your behalf if you become incapacitated. Include the full name of the agent you appoint. Date executed Location Name Springing Power Of Attorney A springing power of attorney can be written to spring into effect only when a specific event occurs such as if you become incapacitated. Include the full name of the agent you appoint. Once activated, a springing power of attorney generally is effective until you die or it is revoked by a court. Date executed Location Name Trusts A trust is a legal entity that holds property designated by you, the grantor, for the benefit of you or your beneficiaries. The trust agreement names a trustee to manage the specified property according to your instructions. There are many different kinds of trusts, depending on the type of beneficiary, purpose of the trust, assets in the trust, how much power the trustee and beneficiaries have over the use of the trust s assets and how much control the grantor has over the trust. Include the following information for each trust. Date executed Location Name of Name Of Name Of Trustee(s) Trust Grantor(s) Trustee(s)
12 10 Personal Documents For your peace of mind, record details about important personal documents, your daily routines and key contacts. Should you become ill or incapacitated, a family member or other trusted individual will know whom to notify and will have the information needed to manage your affairs. Description location Of Information/Documents Social Security number (SSN). Driver s license number/state issued. Birth certificate/adoption papers. Marriage license and certificate. Divorce/Separation papers. Statement of Service (DD Form 214)/ Retirement orders/last active duty pay statement/first retired pay statement/va disability. Tax records for current and most recent years (generally at least the last 3 tax years). Include copies of any gift or estate tax returns filed over the most recent years (generally at least the last 3 tax years). Passport number. Tax identification number. Appraisals for valuables such as jewelry, furs and musical instruments. Other.
13 11 Loan Payments/Credit Card Accounts/Household Expenses Your survivors or executor(s) must know what routine bills or payments are due. Also, your executor(s) may have to close these accounts. List all outstanding loans, balances on accounts and monthly household expenses. Update as needed. Creditor due Date Amount Due Name location Of Statements Account number q Individual q Joint Joint owner s contact information Credit life: q Yes Name q No location Of Statements Account number q Individual q Joint Joint owner s contact information Location Of Statements Credit life: q Yes q No
14 12 Checking/Savings Accounts/Certificates Of Deposit (CDs) Your survivors or executor(s) will need to know how to access these accounts. account average account balance Name location Of Statements Account number q Individual q Joint Joint owner s contact information Name location Of Statements Account number q Individual q Joint Joint owner s contact information Name location Of Statements Account number q Individual q Joint Joint owner s contact information
15 13 Investments Your survivors or executor(s) may need an inventory of your investments including stocks, bonds and mutual funds. Financial Institution beneficiaries Name Investment type Location Of Statements Account number Joint owner s contact information Name Investment type Location Of Statements Account number Joint owner s contact information Name Investment type Location Of Statements Account number Joint owner s contact information
16 14 Employee Savings/Pensions/Retirement Plans Your survivors or executor(s) must contact each source about any income still due and check for death provisions from your pension and retirement plans. employer/former employer(s) beneficiaries Name Location Of Statements Type of plan Value Name Location Of Statements Type of plan Value Name Location Of Statements Type of plan Value Contact your tax and legal adviser regarding your specific situation prior to taking a distribution from a retirement plan.
17 15 Life Insurance Designed to protect your family s financial security, life insurance proceeds can prove helpful as a source of cash. List the names of the policy s owner and your beneficiaries. Make sure to update this form whenever beneficiaries are changed on a policy. policy Number/ Face Value/ Beneficiaries/ Company policy Owner Premium Location Of Policy Name Agent Name Agent Health Insurance Policy Number/ Company policy owner Premium Location Of Policy Name Type of policy Agent
18 16 Dental Insurance Policy Number/ Company policy owner Premium Location Of Policy Name Type of policy Agent Disability Insurance Policy Number/ Company policy owner Premium Location Of Policy Name Type of policy Agent Long-Term Care Insurance Policy Number/ Company policy owner Premium Location Of Policy Name Type of policy Agent
19 17 Homeowners/Auto/Renters/Other Insurance List your insurance policies. For their benefit, your survivors may want to continue paying the premiums to keep these policies in force after your death. policy number/ Company policy owner premium Location Of Policy Name Type of policy Agent Name Type of policy Agent Name Type of policy Agent
20 18 Property Ownership List any real estate or other property you own. address of Property Owned location Of Title Documents Mortgages List any outstanding mortgages. due Date/ Account Location of title Mortgage Company Amount Due Number Documents Name Name Name
21 19 Rentals Include post office boxes, storage units and other property you rent. rent Rental name/ due date/ Refundable Location property address amount due deposit Due Of Key Include property you rent to others. rent Rental name/ due date/ Refundable Location property address amount due deposit Due Of Key
22 20 Personal Property Inventory An inventory of your possessions is helpful not only to determine your estate value and to name recipients, but for insurance claims as well. Create a record of your possessions, including purchase prices, dates purchased, serial numbers and receipts. Supplement your inventory with photographs. For convenience, keep a separate, central file of all warranties, with corresponding proofs of purchase and operating instructions for appliances and other equipment. item/ Purchase Receipt Serial date purchased price yes / no number Recipient(s) location
23 21 Personal Property Inventory continued List passenger vehicles, motorcycles, boats and other vehicles. Title/ year/ Registration Vehicle Vehicle Type Make/Model location identification Number Document Storage Make sure your inventory, receipts, photographs and important financial, insurance and legal documents are securely stored. It is recommended that you store sensitive information in a secure location away from your residence, such as a safe deposit box at a bank or a safe in your attorney s office. A key consideration is whether your executor(s) will have convenient access to the documents upon your death. Since some states may restrict or limit access to a bank safe deposit box upon the death of the owner, you should consult your legal adviser or financial planning professional to determine the option which balances best security and access in order to achieve your planning purposes. financial box Number/ institution executor(s) Location Of Key Name Contents
24 22 Social Network Accounts Permanently close unused social networking accounts. If a loved one dies, make sure survivors know what to do with remaining social networking accounts. As the number of abandoned accounts has increased, some social networking websites have established policies for survivors to delete, update, transfer or possibly preserve the accounts. In addition, there are services available to help your survivors manage your social networking accounts after your death. Policies for closing accounts vary. For specific instructions, contact the company directly. SOCIAL NETWORK SITE WEBSITE ADDRESS USERNAME PASSWORD
25 23 Miscellaneous List Consider your daily and monthly routines. Record details as you identify new items to add to this list. Miscellaneous Items details Pet(s) food and schedule. List of medications and dosage instructions for your pet(s). Veterinarian information. Names of those who may want your pet(s). Secret hiding places for selected items. Security system company and codes. Locations of spare keys to home, vehicle, safe deposit box, garage, etc. Name of anyone else who has keys. Codes to combination locks. Location of your address book(s). Location of firearms and ammunition. Subscriptions to publications. Memberships in movie, book or music clubs. Manuals and warranties. Backup disks of important documents. Other.
26 24 personal medical records It is important that you take an active role in obtaining and maintaining your medical records. During your next physical, ask your physician to help you complete the information on the following pages. It may not be necessary to ask your physician to give you your entire file. The key to gathering your medical records is to record only the information that is significant to the status of your health. When retiring or separating from the military, obtain your medical records before you leave. It could take several months to obtain your records from a central repository. In an emergency situation access to those records could be critical. Consider executing a living will which explains what medical procedures you want taken if you become too ill to state your wishes. In conjunction with your living will, estate planning professionals recommend preparing a durable health care power of attorney which allows you to appoint someone else to make health care decisions on your behalf if you become incapacitated. Each state has its own regulations and forms for durable health care powers of attorney. Who To Notify In Case Of Emergency Name address Blood Type Type
27 25 Physicians Name reason For Visit Treatment Received Date Health Insurance Information Provider insurance/group Number phone Nearest Hospital Or Emergency Room Which Accepts Your Health Plan Hospital Or Emergency Room phone Medical And Mental Health Illnesses
28 26 Surgical Procedures Procedure Details Date Allergies And Side Effects Allergy reaction Prescriptions And Over-The-Counter Medications Medication dosage/frequency Side Effects
29 27 Hospitalization Or Emergency Room Visits For Other Reasons Reason For Visit Treatment Received date Annual And Diagnostic Test Results test results date Immunizations And Vaccinations immunization/vaccination reactions date
30 28 Family History And Hereditary Diseases Family Member medical/surgical Conditions
31 resources 29 The USAA Educational Foundation offers the following publications on a variety of topics: Financial Planning And Goal Setting (#511) retirement planning in your 20s and 30s (#516) Estate Planning (#518) Planning For Retirement (#508) Basic Investing (#503) Stocks And Bonds (#553) Mutual Funds (#517) Homeowners Insurance (#558) Health Insurance (#545) Renting A Home (#533) Planning A Move (#509) Planning Ahead for your senior years (#527) PROTECTING YOUR IDENTITY AND PERSONAL INFORMATION (#520) cybersecurity (#575) social networking (#576) When A Loved One Dies: Legal And Financial Concerns (#551) When A Loved One Dies: Coping With Grief (#552) To order a free copy of any of these and other publications, visit or call (800) Information in this publication was current at the time it was printed. However, the Foundation cannot guarantee that websites and phone numbers listed in this publication have not changed since then. If a website address or phone number has changed since you received this publication, log on to a search engine and type in keywords of the subject matter or organization you are researching to locate such updated information.
32 USAA is the sponsor of The USAA Educational Foundation. The USAA Educational Foundation is a registered trademark of The USAA Educational Foundation. The USAA Educational Foundation All rights reserved. No part of this publication may be copied, reprinted or reproduced without the express written consent of The USAA Educational Foundation, a nonprofit organization
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FAMILY WEALTH PLANNERS PERSONAL TAX ADVISORS www.finplans.net 519-884-7087 Executors Checklist for Estate Administration March 2011 (Prepared for clients and business colleagues of Personal Wealth Strategies)
Caring for a Loved One s Estate Serving as a Personal Representative Introduction A Personal Representative (sometimes referred to as an Executor) is the person or entity who oversees a person s estate
1135 E. Route 66, Suite 108 Glendora, CA 91740 626 852-2202 Dear Client: The Tax Organizer will assist you in collecting and reporting information necessary for us to properly prepare your income tax return.
Please fill out this questionnaire as accurately and completely as possible. In some cases, a statement from your bank, broker/custodian, mutual fund company, etc. will suffice. Complete only those sections
2014 Client Organizer Questionnaire NOTE: We cannot complete your 2014 personal income tax returns without these questions being answered and the last page being signed. Please check the appropriate box
ATTORNEY IN FACT INSTRUCTIONS AND ACCOUNTING RECORDS Prepared by The Evansville Bar Association Probate, Elder Law and Guardianship Section Katherine J. Rybak, Chair The attached instructions and accounting
Personal Financial Statements Overview Personal financial statements provide a summary of an individual s financial situation. The most commonly used financial statements are the Net Worth Statement and
Tax Preparation Checklist New Clients: Please bring a copy of last year s tax return. Identifying Information Social Security Numbers for yourself, your spouse and your children. Note that all social security
Estate Planning Basics An Overview of the Estate Planning Process What Is an Estate Plan? An estate plan is a map This map reflects the way you want your personal and financial affairs to be handled in
Enclosed is an organizer that provide to our tax clients to assist in gathering the information necessary to prepare the current year tax returns. The Internal Revenue Service matches information returns
PEDRICK & COMPANY, LLC 103 CENTRAL AVENUE HINESVILLE, GA 31313 Organizer 2013 Tax Organizer ORG0 This Tax Organizer is designed to help you collect and report the information needed to prepare your 2013
Legal/Financial Issues Involved in Caring for an Older Loved One Objectives Talking to your loved one Locating and organizing important documents Executing or updating important legal documents Wills Trusts
Account Settlement Guide for Survivors 1 INTRODUCTION We realize that the loss of a loved one can be a difficult and overwhelming time for you and your family, so we hope this guide will simplify the account
Jewish Social Service Agency PERSONAL RECORDS, INVENTORY, AND PLANS UPON DEATH Name: Date Updated: CONTENTS: PART I PART II PART III INVENTORY: CONTACTS, ASSETS, DOCUMENTS AND LOCATIONS 1. Personal Details
PAGE 1 OF 7 The asks about pertinent tax items necessary for preparing the most accurate tax return possible. Please answer all applicable questions and attach a statement when necessary for additional
Page 1 of 6 ELDER LAW PLANNING QUESTIONNAIRE (Married) Date Home Phone Business Phone PART A: PERSONAL INFORMATION CLIENT HUSBAND: Full Name Birth Date Social Security Number Street Address City Zip U.S.
Compromise Application Before we will consider accepting less than the full amount due, we must receive all of the information requested below. Your documentation will be reviewed and verified. A Revenue
The Gift Thank you for downloading this packet - we hope you and your loved ones find it useful. As the first hospice in Central Texas, Hospice Austin was established in 1980 to ease the physical, emotional
THE CALIFORNIA ESTATE PLANNING GUIDE Who will the court give my property to? How much will probate cost? What happens to my property when I die? Will I have to pay taxes? Copyright 2014 Doyle Quane Family
PERSONAL FINANCE financial planning & goal setting 1 our mission To lead and inspire actions that improve financial readiness for the military and local community. 2 table of contents The Power Of Planning...