H E L P I N G Y O U A C H I E V E F I N A N C I A L G O A L S FINANCIAL PROFILE 3601 West Washington Avenue Suite 2 Yakima, Wa 98908 509-966-4811 www.reevesfinancial.net INVEST Financial Corporation is not affiliated with Reeves Financial Services. Securities, advisory services and insurance products are offered through INVEST Financial Corporation, member FINRA/SIPC, and affiliated insurance agencies.
Learning more about you. In order to better advise you, it would be helpful to have your personal information. Client A Name Date of Birth Social Security # Home Telephone # ( ) Business # ( ) Fax # ( ) Email Address Employer Occupation Annual Income $ Client B Name Date of Birth Social Security # Home Telephone # ( ) Business # ( ) Fax # ( ) Email Address Employer Occupation Annual Income $ Non U.S. Citizen: Client A Client B Relationship: Married Other Address City State Zip Code Are you a business owner? Client A Client B How many employees do you have? What type of business? What is your ownership %? Do you have a business retirement plan? Yes No If yes, please describe. Are you interested in a review of your current plan or developing a new plan to benefit you as a business owner? Yes No Do you have any plans for business succession? Yes No If yes, please describe. Interest in Planning Dependents Relationship* Age Education Life Insurance Do any of your dependents have special needs? Yes No *Son, Daughter, Grandson, Granddaughter, Father, Mother, Other Financial Goals & Status Understanding your financial goals allows me to better evaluate your situation and provide more suitable investment recommendations. What are your two most important goals at this time? How much do you think you could save monthly to reach these goals? $ What are your expectations of me, as your financial advisor? What is your expected annual % wage increase? Client A Client B Do you work with any other financial advisors? (i.e. Attorney, CPA, Broker, Financial Planner) Name: How Long: Name: How Long: What are your current monthly expenses? $ Three to six months of expenses is a guideline for emergency purposes. What is your desired amount available for emergency funds? $ Are you systematically investing outside of your retirement plans? Yes No Amount: $ Did you receive a tax refund for last year s filing? Yes No Do you expect to make any major purchases (i.e., weddings, travel, new home, etc.) within the next 2-5 years? Yes No Amount $ - 2 -
Your Assets. A complete list of your assets will help me determine if your investments are meeting your needs. If statements are included, do not list assets below to avoid duplication. Cusip/ Cost Yield/ Shares/ Price/ Symbol Class* Owner Description/Maturity Date Type** Basis Income Units Value Your Personal/Other Assets. At Retirement At Death Annual Class* Owner Description Sell Retain Sell Retain Income Value Your Life Insurance. Total Value $ Issuer/ Maturity Cash Loan Face Type* Description Owner Insured Beneficiary Date Value Value Value *Term, Group, Whole, Universal, Variable Universal, Other. Your Liabilities. Total Value $ Description Maturity Annual Monthly Principal (i.e. Mortgage, Auto Loan, Credit Card, Other, etc.) Owner Date Rate Payment Value - 3 - Total Value $ *CE-Cash Equivalents, ST - Short-Term Income, LT - Long-Term Income, HI - Hi Income, GI - Global/Int l Income, BAL - Balanced, LCV - Large Cap Value,, LCB - Large Cap Blend, LCG - Large Cap Growth, SCV - Small/Mid Cap Value, SCB - Small/Mid Cap Blend, SCG - Small/Mid Cap Growth, INT - Global/Int l, SEC - Sector/Specialized, PER - Personal (i.e. residence, vehicles, etc.), OTH - Other (i.e. business, real estate, etc.), EDU - Educational. **NQP - Non Qualified Plan, QP - Qualified Plan, IRA - Traditional or Roth.
Asset Allocation Set Goals, plan, diversify and review. Investment Objectives 1. The following best describes my overall investment objective? Maximum capital appreciation with little or no need for current income 7 Long-term moderate growth with the opportunity for some current income 5 Total return from a balance of capital appreciation and current income 3 Emphasis on preservation of capital with current income 1 2. What do you plan to do with any income generated by your investments? Reinvest all income back into my investments 6 Receive a portion and reinvest a portion 4 Take all income 2 3. I believe that my non-investment income (i.e. salary, rental income, Social Security, pension) stream for the foreseeable future is best described as: Very stable 6 Fairly stable 4 Not very stable 3 Not possible to reasonably predict at this time 1 4. What is your objective for the average return of your account over time? Aggressive (greater than 10% annually) 6 Moderate (7% - 9% annually) 4 Conservative (4% - 6% annually) 3 Capital Preservation (1% - 3% annually) 1 Risk Tolerance 5. Which one of the following statements best describes your feeling about investment risk? I prefer: An aggressive mix of investments with emphasis on a higher degree of risk that may yield greater returns 7 A balanced mix of investments, some with a low degree of risk and others with a higher degree of risk that may yield greater returns 5 A mix of investments with emphasis on a low degree of risk and a smaller portion of others that have a higher degree of risk that may yield greater returns 3 A conservative mix of investments with a low degree of risk that are less likely to lose my original investment 1 6. What best describes your response when your portfolio valued at $100,000 quickly declines 15% to $85,000? I invest for long-term growth and accept temporary changes due to market fluctuation 7 I invest for long-term growth but would be concerned about a temporary decline 5 If the amount of income I received was unaffected, it would not bother me 3 I would be worried because I am willing to accept only minimal value fluctuations in my portfolio 1 7. The statements below represent three different ways in which your portfolio returns may fluctuate year to year. Most aggressive, big ups and downs 7 More balanced, moderate ups and downs 4 Most stable, conservative ups and downs 1 8. How would you describe your outlook for the Global and U.S. economy in the foreseeable future? Very optimistic 7 More optimistic than pessimistic 5 Neutral 3 Pessimistic 1 9. Which type of securities are you most comfortable investing in? Stocks or mutual funds of newer growing companies 7 Stocks or mutual funds of older established companies 5 Balance of stocks, bonds, and U.S. Government Securities 4 U.S. Government Securities, municipal bonds or high-grade corporate bonds 2 Money market or bank deposit accounts 1-4 -
Asset Allocation Set Goals, plan, diversify and review. Time Horizon 10. What is your current age? Under 45 8 45-55 7 56-65 4 Over 65 2 11. When do you plan to start withdrawing funds from your investment portfolio outside of current income? More than 20 years 12 11-20 years 8 6-10 years 6 Less than 5 years 2 Financial Condition 12. What is your approximate net worth? Less than $100,000 1 $100,000-500,000 3 $500,000-1,000,000 4 Greater than $1,000,000 5 13. What is your annual household income net of expenses? Less than $25,000 1 $25,000-50,000 3 $50,000-100,000 4 Greater than $100,000 5 14. How long would your savings last in the event of a personal financial emergency? 0-3 months 1 4-6 months 2 7-12 months 3 More than 12 months 5 15. Approximately how much of your monthly income do you use to pay debt (credit cards, loans, etc.) excluding your primary mortgage? Over 50% of my monthly income 1 Between 25% and 50% of my monthly income 2 Less than 25% of my monthly income 3 None of my income 5 Total Points Suggested Portfolios Point Range Suggested Portfolios Point Range Very Aggressive 89-100 Moderate Conservative 41-52 Aggressive 77-88 Conservative 29-40 Moderate Aggressive 65-76 Capital Preservation 0-28 Moderate 53-64 Have you ever had an advisory or trust account? Yes No If yes, please describe. What type of investments have you made in the past? CD/Savings Mutual Funds Annuities Stocks Bonds Other What was the best financial decision you ever made? If you could make one change in your portfolio today, what would it be? - 5 -
Retirement Planning Save and plan for a comfortable lifestyle. Client A Client B Joint (If applicable) Target Retirement age Target Retirement Income $ $ $ Estimated Inflation Rate % % % Include Social Security Benefits Yes No Yes No Age Social Security will Begin Annual Benefit or calculate $ or calculate $ COLA (Cost of Living Adjustment) % % Age Pension will Begin Annual Benefit $ $ COLA % % Survivorship Option Are you making annual contributions to your qualified plan? $ $ Are you making annual contributions to your IRA or Roth IRA? $ $ Are you making annual contributions outside your retirement plans? $ $ $ Where is the money being invested? In retirement, do you anticipate any additional income needs? Client A Amount: $ Years: (i.e. Insurance Premiums, Long-Term Care, Home Purchases) Client B Amount: $ Years: Joint Amount: $ Years: Will you receive additional income during retirement? (i.e. Rental, Business, Part-time, or Trust Income) Source: Amount: $ Years: COLA: % Source: Amount: $ Years: COLA: % Source: Amount: $ Years: COLA: % Source: Amount: $ Years: COLA: % Education Funding Invest in a child s education. The returns can be life long. # of Years # of Years Option #1 Option #1 Option #2 Option #2 Student s Until Attending Institution Annual Institution Annual Name College College Name Tuition Name Tuition Are you saving annually for this goal? Yes No Amount: $ What is your anticipated annual rate of return? % - 6 -
Life Insurance Needs Coverage for the unexpected. Protection for your loved ones. Client A Client B Survives Survives Additional Annual Income Needed* $ $ Number of Years Anticipated Rate of Return % % Do you want to plan for final expenses? Yes No $ $ Are there any other expenses that should be included?** $ $ Do you want to payoff liabilities? Yes No Yes No If yes, how much? $ $ Do you want to prepay education expenses? Yes No Yes No Should any other additional assets be included $ $ For single individuals: Annual income needed for dependents $ Years Needed Other expenses needed for dependents $ Do you currently have disability insurance? Yes No Yes No Do you currently have a long-term care policy? Yes No Yes No If yes, what are your annual premiums? $ $ Do you have any special interests or health conditions that could affect your insurability? Client A Client B Do you or have you used tobacco products within the last three years? Yes No Yes No *Funds needed in addition to wages, pension, social security, etc. **May include emergency funds. Estate Planning Maximize wealth transfer. Minimize taxes. Client A Client B Do you have a Will? Do you have a trust? Do you have a Marital Trust?/QTIP? Do you have a Bypass Trust? Are you currently making or planning on making any charitable bequest(s)? $ $ Do you own a burial insurance policy? Yes Yes Do you want to plan for final expenses? Yes $ Yes $ If married, are all your assets expected to go to your spouse? Yes Yes If no, what amount should pass as direct inheritance? $ $ Are you interested in utilizing: Charitable Gifting? By-Pass Trust? Irrevocable Life Insurance Trust? - 7 -
What Other Services Do You Use? Location Location Checking Installment Loan Savings Mortgage CDs Home Equity Loan IRA/SEP Brokerage Accounts Pension Plan Other Investment Can we help you with any Services of these services? Additional Notes and Comments To the best of my knowledge, the information provided in this questionnaire is true and correct and reflects an accurate picture of my current financial situation. Should any material changes occur prior to the preparation of my financial plan, I will advise my Representative immediately. I further acknowledge that the results of my financial plan may provide both general and specific recommendations. As my circumstances change, some of the recommendations made within this plan may no longer be appropriate and I should review my situation periodically. The information contained in this questionnaire will be held in the strictest confidence and only be used by your Representative or supporting staff to provide suitable planning and suggested investment strategies. This information will not be shared without consent. Signature Date Signature Date Securities, advisory services and certain insurance products are offered through INVEST Financial Corporation (INVEST), member FINRA, SIPC., a federally registered Investment Advisor, and affiliated insurance agencies. Products offered are: Not insured by the FDIC or NCUA not a deposit or other obligation of, or guaranteed by any bank or credit union subject to investment risks including the possible loss of principal amount invested. - 8-10dj3880-0212-78207