In order to begin the planning process, I will need detailed information about your financial situation.  Following is a list of the initial information I will need based on your situation and goals, broken down by module.


Social Security Planning:

1. Name, date of birth, and a best estimate of life expectancy (if married, both individuals):

2. Primary Insurance Amount – this is the full retirement age benefit (available from Social Security Administration, either mailed or online);

3. Is there any time period when a “Non-covered Pension” would apply?  This would only apply to certain Federal or State government employees – more information will be needed if this is true;

4. If one member of a couple has already begun Social Security benefits, what date did those start and what is the monthly amount of the benefit?

5. Will there be any minor children at retirement?  If so, I will need the name(s), date of birth, and expected high school graduation date of each.


Retirement Account Planning:

1. Latest statement for each account (401k, IRA, etc.) showing the participant, location, specific investments, and market value of all holdings;

2. All available options for the participant under the plan;

3. Current contribution rate and any employer match (monthly or annual);

4. Any change in anticipated contributions in the near future;

5. Any Roth or non-deductible contributions, or loans against the account?



1. A copy of the latest Federal tax return;

2. Income statement – showing all pre-tax income and expenses;

3. Balance sheet – showing all assets and outstanding liabilities;

4. Cost basis of real estate and other assets;

5. Estimate of minimum monthly income need for next 3 years – the basic amount you would need to live, not including large unexpected expenses;

6. Estimate of large upcoming expenses (car, vacation, medical, house, etc.).



1. Taxable brokerage account statements with cost basis;

2. Taxable savings - bank accounts, CD's, etc.;

3. Estate planning – powers of attorney, wills, trusts in place?  How recent?

4. Business holdings – type, percentage of ownership, estimated value;

5. Life insurance policies - type, face value, cash value, ownership, beneficiary.

While all of these documents may not be required in every case, a fully developed understanding of your situation will allow me to perform the most comprehensive analysis and offer the most appropriate recommendations.