Needs and Fit - Formstack

	Can We Help You? We don't know yet. Let's chat about your goals, the financial strategies you use right now, and whether this process works for you. Don't forget to click "NEXT >>>" in the bottom right corner. : )
	Are You Open to Hearing More? Yes! Let's do this! No. I don't have a few minutes right now.

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	That's Not a Problem. Are You Open to Hearing More Later?
	Are You Open to Hearing More? Yes. Please send me more information. Maybe. I'm not very focused on this and will go just click around the website. No.
	Please send the Inside Scoop to my email address:
	Please Contact Me at this phone number:
	My Name is: First Name Last Name
	That's Not A Problem. You can subscribe via email here...
	That's not a problem. Please take a closer look when you have time.

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	Let's Begin with the Basic Stuff...
	How did you find out about us?
	If you are interrupted and unable to complete this step of the process how should we contact you so you can finish later? (check all that apply) Email Phone
	Email Address:
	Best Phone Number:
	Who should we contact? (That's our nice way of asking for your name : )

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	Who do you care about?
	In thinking about your financial needs, who do you care about? (Check all that apply.) Myself My Spouse, Partner or Significant other My Children My Parents Someone Else

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	Financial & Retirement Goals This section is designed to get you to think very broadly and comprehensively about all the goals you might have, some goals you might not have thought of yet, and how much money you will probably need to pay for all of these. If you aren't sure, just make your best guess. If you have a goal but don't have money for it yet, don't worry about that yet...it's not a problem.
	What are your Financial and Retirement Goals? Enough Money to Enjoy Retirement Buying the Perfect Home or Investment Property Investing in Education for Yourself or Children Savings for Possible Health Crisis Savings for Health, Housing, or Long-Term Care for Parents Money to Leave to Your Heirs Funds to Leave to Special Charities Supporting Government Programs Through Taxes

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	Retirement
	How old are you now?
	At what age are you planning on retiring?
	How much net income per year will you need or want to live on? $
	How many years do you think you will live beyond your retirement age?
	Total Funds Needed: $

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	Investing in Education for Yourself or Children
	Do you have any educational expenses like student loans you want to pay off? Yes No
	What is your best guess on how much you owe? $
	Do you anticipate paying for any children's future educational expenses like college? Yes No
	How many children?
	How much do you think college tuition will cost per year for each child? $
	Number of Years in College
	Wow! That's a lot of money!
	How many years do you have until you need to start paying for this?
	So you need about this much money for educational expenses TOTAL! $
	Many families earn too much to receive financial aid grants or low-interest loans. There are some strategies that can shield your assets so colleges and universities can not insist that you spend these assets on tuition. This means you are more likely to be approved for financial aid.
	Are you open to hearing more about these strategies? Yes No

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	Savings for Possible Health Crisis
	Is it possible that you might need money to pay for health expenses that health insurance will not cover? Yes No
	What is your best guess about how much money you should have in reserve in case this happens? $
	Is it possible that you might need to pay for Nursing Home or Health Care for your parents? Yes No
	What is your best guess about how much money you should have in reserve in case this happens? $
	That is a TOTAL of: $
	Do you have this much money saved or in some kind of investment account? (IRA, Home Equity, Stocks, etc...) Yes No
	Have you considered how much you may be taxed or lose in penalties if you pull this money out and use it for a health crisis? Yes No

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	Money to Leave to Your Heirs
	This is a wonderful thing to do. If you passed away unexpectedly or later in life, would you want to leave money to your heirs? Yes No
	How many heirs?
	How much money to each one? $
	Total Funds Needed: $
	Do you have an estate plan, will, and trust set up to ensure that the government doesn't take up to 70% of your savings in taxes? Yes No YIKES! I didn't know about this.

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	Funds Donated or Given to Special Charities
	This is a wonderful thing to do. Do you want to leave money to special charities when you die? Yes No
	How many Charities or Organizations?
	What would your average donation be to each one? $
	Total Funds Needed: $
	Do you have an estate plan, will, and trust set up to ensure that the government doesn't take up to 70% of your lifetime savings in taxes? Yes No YIKES! I didn't know about this.

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	Special Section: "What About the People You Love" Congratulations. You've identified your major Financial and Retirement goals and approximately how much money you need to achieve them. In a minute we will talk about how you are working to achieve all of these goals. BUT WAIT! Earlier you indicated that you want to take care of the people you love. Right now, let's discuss what you would do if disaster struck and you had a major health crisis or passed away unexpectedly.
	This part is not as fun, but it is very important. Ready? Yes No

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	Remember All the Goals You Just Identified?
	Total Funds Needed to Achieve Your Financial & Retirement Goals: $
	Would you want your heirs to have this much money if you died? Yes No
	That's Wonderful!

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	What about their other expenses?
	Would you like to help them cover daily expenses? Yes No
	What other debts and expenses would the People You Love need money for each month? Mortgage Childcare Utilities Food and Clothing Car Payment Other: Other Value
	What is the total of your monthly expenses? (Your best guess is fine.) $

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	Strategies Used to Achieve Your Goals There are many strategies you can use both to build wealth and protect your family. Let's explore what you are doing Right Now to achieve your goals.
	During the foreseeable future, my level of income should: Increase by less than 10% Increase by more than 10% Decrease by less than 10% Decrease by more than 10% Remain basically the same
	That's pretty good! Keeping your expenses steady and investing your money correctly is the key.
	That's Fantastic! With the right strategy, you may be able to live much, much better in retirement than you are even now.
	We are sorry to hear this. Maybe we can help you figure out how to decrease your expenses while still investing a little for retirement.
	Ouch. You're in a difficult position. Let's see if we can help you reduce your expenses slightly more than however much your income goes down, so you can still pay your bills and put away some for retirement.
	Hang in there. By closely analyzing your finances, we still may me able to help you free up income to save for retirement or take care of the people you love.
	In fact, your income won't matter as much as whether you are saving some of it. Are you saving any at all? Yes No

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	How much do you save?
	Right now, I save: Less than 1% of my income for my retirement Between 5% to 10% of my income for my retirement Between 16% to 20% of my income for my retirement More than 20% of my income for my retirement I am presently retired
	What do you do with it? (Check ALL that apply) Put it in a fund or account that IS affected by the stock market. Put it an account that is NOT affected by the stock market. Hide it under my mattress.

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	Roadblocks to Achieving Your Goals So far we have identified your financial goals and some of the strategies you are using to achieve them. Have you enjoyed the process so far?(It's pretty easy, huh?) Now we are going to look very specifically at the problems that might be stopping you from achieving these goals. These will include problems you know about AND some things that will shock you. (Later we'll talk about how to overcome them.)
	Ready? (We are almost done!) Yes No

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	Problems! Or, should we call them - Challenges
	What problems are you having RIGHT NOW that might be preventing you from achieving these goals - or doing even better? I am living paycheck to paycheck. My other monthly bills and expenses are too high. My job doesn't provide retirement benefits. My income and social security taxes are too high. I don't know much about retirement strategies. Since the stock market collapse, I almost don't want to do anything right now. Since the economy collapsed and and the government has new policies, I really don't know which strategies to use. I don't know who to trust to give me advice.

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	Financial Planning IS Hard. Otherwise everyone would retire rich...
	I am living paycheck to paycheck. You are not alone. Many people are living paycheck to paycheck. You might be able to solve this problem by using a computer program to analyze every bit of your budget and recommend changes that will free up money for the goals you identified above. Getting some support and some encouragement from an advisor who will help you get it done can help.
	My other monthly bills and expenses are too high. text here
	My Job Doesn't Provide Retirement Benefits
	My income and social security taxes are too high.
	I don't know much about retirement strategies.
	Since the stock market collapse, I almost don't want to do anything right now.
	Since the economy collapsed and and the government has new policies, I really don't know which strategies to use.
	I don't know who to trust to give me advice.

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	Other Problems You Might Not Have Thought of Yet Congratulations! Talking about which problems you know you have is the first step to solving them. Are you open to hearing about some of the Problems you might NOT know about? These are problems that can destroy whatever retirement savings you have.
	Are you open to hearing more? Yes No
	In choosing strategies, which of these have you been thinking about? How much I've been saving? The interest rate or growth of the accounts? The taxes I will either pay now or later on each of these accounts? The tax or withdrawl penalities I will have to pay if I take money out for emergencies? How much I will be taxed on my earnings when I retire? How much the government will take in taxes and fees if I die?

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	WARNING! FINANCIAL LANDMINES that Could Destroy Your Retirement
	How much I've been saving. Good! This is a good place to start. Making sure you are living within your means so you can invest for future needs is the first step.
	The interest rate or growth of the accounts? Knowing the growth rate is important. But, it doesn't tell you how much you will actually keep or earn when you retire.
	The taxes I will either pay now or later on each of these accounts? Would you rather pay taxes now or later?
	The tax or withdrawl penalities I will have to pay if I take money out for emergencies? Early withdrawal penalties can destroy your life savings. Funds like x, y, and z all carry substantial penalities. Other funds are structured so you can borrow or take loans against them.
	How much I will be taxed on my earnings when I retire? text here

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	Solving The Problems... So far we have talked about your goals and the strategies you are using to achieve them. We've also identified why those strategies are probably not enough to take care of you or the people you love, AND some problems you might not even have ever thought of. Now, let's talk about how to overcome these problems...starting with what you are doing now.
	Which of these is preventing you from solving or preparing to overcome these problems? Knowledge of these kinds of problems. Education on financial planning strategies Time to create my own plan based on my own knowledge Knowing who to trust to help me. Time need to find someone to help me. Extra money to invest in my wealth building and retirement planning I have some knowledge, time, and money, but just don't seem to get around to getting it done.

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	Buying a Home
	Do you own a home now? Yes No
	When do you want to buy one?
	Are you planning on buying another home in the future? Yes No
	How much do you think it will cost? $
	What % of this price will you need for down payment & closing costs? Put % as a decimal. For example, 10% = .10
	Total Cash Needed: $
	Where will you get the money to do this? Savings Cash from Retirement Account Family
	Have you thought about leveraging home equity? Yes No The simple way to describe this is that you borrow home loan money at a low interest rate, say 5%, and you benefit from a tax break. Then you invest that money say at 8%, and keep the 4% difference + the interest deduction on your mortgage.
	Are you open to hearing more about this strategy? Yes No

	How would you pay for these expenses?
	How much of your current income would you want them to still have to pay for these? 100% 75% 50% 25% They would be devastated and I'd like them to have more money than what I earn right now.
	Do you have a specific plan in place to help the people you love pay for your lifetime financial goals and daily expenses? Yes No
	Do you think having a plan might be helpful and give you some peace of mind? Yes No
	Would you be open to hearing more about how to get expert help to develop one or revise your current plan - at no cost to you? Yes No

	Accounts that ARE affected by the Stock Market
	I currently have: (Check all that apply.) An IRA A ROTH IRA A 401(k) A 403(b) Pension plan at work Stocks Bonds Mutual Funds Money Market Accounts No retirement plan at all Other: Other Value
	On average, how much value did these funds lose in the last year? 0% 10% 20% 30% 40% 50% more than 50% I'm not sure and I'd rather not think about!
	How long did it take you to build up that value? 1 year 5 years 10 years 15 years 20 years 30 years 40 years
	How many years do you think it will take to recover that value? 1 year 3 years 5 years 10 years 15 years Other: Other Value

	Did You Know? Some financial strategies make sure you don't lose ANY money if the stock market crashes...
	A few of these strateiges are below. Do you own any of these? Savings Accounts Certificates of Deposits Fixed Annuities Equity Indexed Annuities Equity Indexed Universal Life Insurance policies No. I never heard of any of them.
	Congratulations! While everyone else lost money last year, how much did you EARN from these last year? 1% 3% 5% 8% 10% 15%
	If you are NOT USING SOME or ALL of these, WHY NOT? I don't know much about them. I've just been putting my money into what I hear about in the news. I just do what everyone else seems to be doing. My financial advisors didn't recommend them to me.

	Would you like to know a few Shocking Facts about Other Changes that Could Occur? (Check all that apply)
	Which of these do you think might also happen in the future? Unemployment or Job Change Health Crisis Tax Increases Inflation Stock Market Slow Growth Stock Market Collapse Parents Health Crisis College Education Cost Increases Changes to Social Security I don't know.
	Unemployment or Job Change
	Health Crisis
	Tax Increases
	Inflation
	Stock Market Slow Growth
	Stock Market Collapse
	Parents Health Crisis
	College Education Cost Increases
	Changes to Social Security
	I don't know. Well, that's why we are here. Go ahead and click some of the problems above, and we'll share more about them with you.

Can We Help You?

We don't know yet. Let's chat about your goals, the financial strategies you use right now, and whether this process works for you. Don't forget to click "NEXT >>>" in the bottom right corner. : )

That's Not a Problem. Are You Open to Hearing More Later?

Let's Begin with the Basic Stuff...

Who do you care about?

Financial & Retirement Goals

Retirement

Buying a Home

Investing in Education for Yourself or Children

Many families earn too much to receive financial aid grants or low-interest loans. There are some strategies that can shield your assets so colleges and universities can not insist that you spend these assets on tuition. This means you are more likely to be approved for financial aid.

Savings for Possible Health Crisis

Money to Leave to Your Heirs

Funds Donated or Given to Special Charities

Special Section: "What About the People You Love"

Remember All the Goals You Just Identified?

That's Wonderful!

What about their other expenses?

How would you pay for these expenses?

Strategies Used to Achieve Your Goals

How much do you save?

Accounts that ARE affected by the Stock Market

Did You Know? Some financial strategies make sure you don't lose ANY money if the stock market crashes...

Roadblocks to Achieving Your Goals

Problems! Or, should we call them - Challenges

Financial Planning IS Hard. Otherwise everyone would retire rich...

Other Problems You Might Not Have Thought of Yet

WARNING! FINANCIAL LANDMINES that Could Destroy Your Retirement

How much I've been saving.

The interest rate or growth of the accounts?

The taxes I will either pay now or later on each of these accounts?

The tax or withdrawl penalities I will have to pay if I take money out for emergencies?

How much I will be taxed on my earnings when I retire?

Would you like to know a few Shocking Facts about Other Changes that Could Occur? (Check all that apply)

Solving The Problems...

Who is Helping You?

What Good is a Plan?

What would you like to do next?

	Who is Helping You?
	Who is helping you now? no one spouse friends parent financial planner accountant stock broker lender real estate agent other financial advisor
	Are you concerned about the advice you've been getting from them? Yes No
	Why are you concerned? My retirement accounts have been decreasing in value. I feel like some of their recommendations weren't very good. I am unsure if they know about the latest financial planning strategies. They didn't tell me about some of the things I've learned today. Their advice hasn't been in the context of an overall financial plan
	Setting aside WHO will help you for a moment - Do you think developing a Comprehensive Financial Plan that would help you achieve all your goals over your lifetime would be helpful? Yes No

	What Good is a Plan?
	Any plan can't possibly predict exactly what will happen in the future and even the best statistical projections can be wrong. So, how will you be able to be confident that the plan is a good one for you? How can you have confidence you are making the right decisions? The people who advise me can prove their results and come recommended by friends or family who care about me. My advisors care about me and my family more than they do about selling a product. I can see that my advisors are knowledgeable experts. Other people involved in helping develop the plan are providing second opinions and checks and balances. The process used educates me The comprehensive plan developed presents a number of options to me. All numbers and projections explained thoroughly Anyone who I want can participate. I choose to investigate and make the final decisions about what is best for me and my family. My plan is reviewed regularly over my entire life and can change as my needs change?
	Congratulations! Are you open to hearing more about a process that involves ALL of these? Yes No

	What would you like to do next?
	What would you like to do next? Take the Next Fun ON-LINE Step before talking to someone Schedule an Appointment to Discuss Problems & Options Talk to Someone Right Now
	What is the best day to schedule a webinar? Sunday Monday Tuesday Wednesday Thursday Friday Saturday
	What are the best times of day? (Check all that apply) Morning Afternoon Evening
	Great! You will save a lot of time this way!! Just click SUBMIT in the lower right corner. The next part, Step #2 - Create Your Plan will dig into your very specific goals, current strategies, problems to achieving your goals. Your information is kept Private & Confidential.
	We are happy to talk to you! Just let us know where and when we should contact you below. Then click the GO TO NEXT STEP in the bottom right corner. You can also give us a call at the phone number above. All Your information is kept Private & Confidential.
	Would you like a Copy of Your Answers? Yes No
	What phone number should we call to confirm your appointment or interest?
	Where Should We Send Your Password for the FULL DETAILS area of this website?
	Where Would You Like us to Send Your Wealth Toolkit? City State Zip Code