€¦ · if you could change three things about your current financial situation, what would you...

Confidential Profile

www.wealthcg.com

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered

through WCG Wealth Advisors, a registered investment advisor. The Wealth Consulting Group

and WCG Wealth Advisors are separate entities from LPL Financial .

Date: _____________ Lead Advisor: _____________________

2

FAMILY INFORMATION

Your Name Age Birth Date Social Security # (optional)

______________________________________________________________________________________________________

Your Driver License # Issue Date: Expiration Date:

______________________________________________________________________________________________________

Spouse’s Name Age Birth Date Social Security # (optional)

______________________________________________________________________________________________________

Spouse’s Driver License # Issue Date: Expiration Date:

______________________________________________________________________________________________________

Residence Address City State Zip Code

______________________________________________________________________________________________________

Mailing Address City State Zip Code

______________________________________________________________________________________________________

Home Phone Cell Phone #1 Cell Phone #2 Fax

______________________________________________________________________________________________________

Email Address #1 Email Address #2

______________________________________________________________________________________________________

Referred By: Referral Date:

______________________________________________________________________________________________________

OCCUPATION

Your Job Title Employer (last, if retired) # of Years Work Phone Retirement Date

______________________________________________________________________________________________________

Spouse’s Job Title Employer (last, if retired) # of Years Work Phone Retirement Date

______________________________________________________________________________________________________

Marital Status: ____ Single _____ Married _____Domestic Partners _____ Widowed

3

CHILDREN

Name Date of Birth Special Needs

ADVISORS (Attorney, Accountant, Personal Banker , Stockbroker, etc.)

1. Advisor Type: __________________________________

Name (First, Last): _______________________________

Company: ______________________________________

Address: ______________________________________

City:__________________ State:________ Zip: _______

Phone: ________________________________________

Fax: __________________________________________

Email: ________________________________________

2. Advisor Type: __________________________________

Name (First, Last): _______________________________

Company: ______________________________________

Address: _______________________________________

City:__________________ State:________ Zip: ________

Phone: ________________________________________

Fax: __________________________________________

Email: ________________________________________

3. Advisor Type: __________________________________

Name (First, Last): _______________________________

Company: ______________________________________

Address: _______________________________________

City:__________________ State:________ Zip: ________

Phone: ________________________________________

Fax: __________________________________________

Email: ________________________________________

4. Advisor Type: __________________________________

Name (First, Last): _______________________________

Company: ______________________________________

Address: _______________________________________

City:__________________ State:________ Zip: ________

Phone: ________________________________________

Fax: __________________________________________

Email: ________________________________________

4

Personal Goal Planning

How can we help you? On a scale of 1 to 10 (1 being low and 10 being high) please rate the following:

________ Increase my net worth by _____%

________ Reduce my tax burden

________ Pay education expenses for my children

________ Financial security at retirement

________ Purchase real estate

________ Plan for long-term care

________ Provide for my family in the event of my (or my spouse or partner’s) disability or death

________ Minimize the cost of probate and estate taxes

________ Control the distribution of assets to my heirs

________ Fund a charitable endeavor

List other goals

1. __________________________________________________________________________________________________

2. __________________________________________________________________________________________________

3. __________________________________________________________________________________________________

If you could change three things about your current financial situation, what would you change?

1. __________________________________________________________________________________________________

2. __________________________________________________________________________________________________

3. __________________________________________________________________________________________________

Investment Goals Priority Level

Return should exceed inflation rate None Low Medium High Urgent

Principal should be safe None Low Medium High Urgent

Investmens should be liquid None Low Medium High Urgent (immediately accessible) Diversification is important None Low Medium High Urgent Professional asset management None Low Medium High Urgent Reduce my taxable income None Low Medium High Urgent Build tax advantaged income None Low Medium High Urgent Long-term growth None Low Medium High Urgent Short-term profits None Low Medium High Urgent

Risk Tolerance Low High

Rate your risk tolerance level on

A scale of 1 to 10 1 2 3 4 5 6 7 8 9 10

Thank you for taking the time to complete this profile!

Securities offered through LPL Financial, Member FINRA/SIPC. Investment advice offered through WCG Wealth Advisors, a registered investment advisor. The Wealth Consulting Group and WCG Wealth Advisors are separate entities from LPL Financial.

5

Personal Information Client A

Nick Name: _____________________________________

Citizenship: _____________________________________

College of Graduation: ____________________________

Favorite Beverage: _______________________________

Hobbies/Interest: ________________________________

______________________________________________

Marital Status: _________________________________

Anniversary Date: _______________________________

Previously Married: Yes No

Preferred method of contact:

____phone _____email _____text _____in person

Best time to contact you: _______________________

Client B

Nick Name: _____________________________________

Citizenship: _____________________________________

College of Graduation: ____________________________

Favorite Beverage: _______________________________

Hobbies/Interest: ________________________________

______________________________________________

Marital Status: _________________________________

Anniversary Date: _______________________________

Previously Married: Yes No

Preferred method of contact:

____phone _____email _____text _____in person

Best time to contact you: ______________________

Income Sources (Salary, Bonuses, Pension, Social Security, Sale of Business)

Name

______________________

______________________

______________________

Income Source

_________________

_________________

_________________

Amount

_____________

_____________

_____________

Comments

___________________

___________________

___________________

Start/End Age

______/_______

______/_______

______/_______

Growth Rate

___________

___________

___________

1. AMT: Are you subject to AMT: Yes / No

2. Do you/will you support anyone else? Parents, siblings, in-laws? Yes / No

Expenses

Current annual living expense $________________________

EXTRAORDINARY EXPENSES: (Weddings, Charity, Major Purchases, etc.)

Expense Source

___________________________

___________________________

___________________________

Amount

_________________

_________________

_________________

Comments

_______________________________

_______________________________

_______________________________

Start/End Age

___________/___________

___________/___________

___________/___________

All information provided by Client

EDUCATION PLANNING:

Childs Name College Attending

Estimated

Tuition & Cost

Number Years

Attending

Percent you

estimate paying

6

ASSETS

Real Estate Property

Name

Use Zillow Estimate?

Yes/No Fair Market

Value Current Liability

Mortgage Rate

Tax Basis

Ownership A/B/J/TIC/LT* Address

Primary

Home

Second

Home

Investment

Property

Other

Personal Property (Art, Jewelry, etc.)

Description

__________________________________

__________________________________

__________________________________

__________________________________

__________________________________

__________________________________

__________________________________

Current Value

__________________________________

__________________________________

__________________________________

__________________________________

__________________________________

__________________________________

__________________________________

Ownership A/B/J/TIC/LT *

__________________________________

__________________________________

__________________________________

__________________________________

__________________________________

__________________________________

__________________________________

Bank Accounts; Cash & Cash Equivalents (Checking, Savings, CD’s, T-bills, etc.)

Account Name Account Type

(Checking, Savings, CD, Money Market)

See Attached Statement

Current Value Ownership

A/B/J/TIC/LT*

* A: Client A B: Client B J: Joint TIC: Tenants in Common LT: Living Trust

All information provided by Client

7

Social Security

Name See Attached

Statement Dollar Amount

Expected Suspended? Actively

Receiving?

Retirement Accounts (401(k), IRA, Profit Sharing, Deferred Compensation, 403(b), Pension, SEP)

Account Name Account

Type Current Value

See Attached

Statement Ownership

A/B/J/TIC/LT* Beneficiary EE Contribution/ ER Contribution

Assumed Growth Rate

/

/

/

/

/

/

Investments (Non-Qualified)

Account Name

Account Type (UGMA, 529,

Trust)

See Attached

Statement Current Value Beneficiary Assumed

Growth Rate


All information provided by client.

8

Annuities (Fixed, Variable)

Account Name Annuity

Type Investment Company

See Attached

Statement Tax

Basis

Assumed Growth

Rate Ownership

A/B/J/TIC/LT*

Anticipated Annuitization

Age

Annuities (Immediate)

Account Name Annuity

Type Investment Company

Annual Payment

Exclusion Ratio

Ownership A/B/J/TIC/LT* Start/End Age

/

/

/

Stock Option and RSU’s Worksheets

(Option and RSU Grants) See Statement

Stock Option or RSU?

Ticker Symbol or Company Name Grant Date

# Shares Granted

Exercise Price

Vesting Schedule

Number of Shares Sold

(if any)

Business Interests

Business Name

Fair Market Value

Tax Ba-sis

Business Type

Percent Ownership

Spouse Active?

Children Involved?

Future Plans For Business

Assumed Growth Rate

(For any business provide insurance documents)


9

Liabilities

Type Liability Name Current Liability Date of Origin

Pay off Liability at Premature Death of:

Payment Amount

Interest Rate

Client A Client B

Life Insurance

(1) (2) (3) (4)

Insured

Insurance Company

Policy Type (Term, WL, VL,UL, etc.)

Purchase Date

Death Benefit

Annual Premium

Policy #

Cash Value

Owner

Beneficiary

Premium Due Date

Desired income in the event of your death? _______________________ Spouse’s death? _______________________


10

Disability Insurance

(1) (2)

Insured

Insurance Company

Policy Type (Individual, BOE, Buyout)

Purchase Date

Monthly Benefit

Annual Premium

Policy #

Waiting Period

Benefit Period

COLA Adjustment (Yes/No)

Long Term Care Insurance

Insured Insurance Company

Purchase Date

Daily Benefit

Annual Premium Policy #

Waiting Period

Benefit Period

COLA Adjustment

(Yes/No) Premium Due Date

Other Insurance Policies (Automotive, Homeowner’s, Umbrella Policy)

Type of Insurance (Auto, Home, Umbrella) Carrier Policy Amount Premium Deductible


11

Current Plan (Gifting)

Client A Will Yes No Client B Will Yes No

Do you have an Irrevocable Trust?

Living Trust Yes No

Living Trust Yes No

United Credit Planning

United Credit Planning

Current Plan (Wills & Trusts)

Check One Comments

Do you or your spouse plan to gift in the future? Yes No

Would you consider using gifting as a planning tool? Yes No

If so, expected number of gift recipients? Yes No

Have you or your spouse ever filed a gift tax? Yes No

Current Plan (Charitable Plans)

Name Name

Amount Gifted Per Year

Amount Gifted Per Year

Current Plan (Saving Commitment)

Account $ Amount/Year

Assumptions (Future Savings Commitment)

Client A - Financial Independence Age: ____________ Income Goal: ____________

Client B - Financial Independence Age: ____________ Income Goal: ____________

Goals & Objectives: 1. _______________________________________________________________________________

2. _______________________________________________________________________________

Account $ Amount/Year

12

Risk Profile

Please check the appropriate response for each question.

1. What is your investment experience with stocks or stock mutual funds?

A fair amount None

A great deal A little

Some

2. What is your investment experience with bonds or bond mutual funds?

3. What is your investment goal?

4. How many years do you have until retirement?

5. What do you expect to be your next major expenditure?

6. What are your major objectives for your investments, in order of importance? (Rank 1-5)

______ Current & future income ______ Building wealth for heirs

______ Preserving Capital ______ Keeping ahead of inflation

______ Increasing returns

7. When do you expect to use the bulk of the money you are accumulating in your investments?

None A fair amount

A little A great deal

Some

Retirement Saving for a major purchase

More current income Other: _______________________

Buying a home Amount __________________ Timing ______________________

Paying for college education Amount __________________ Timing ______________________

Capitalizing a new business Amount __________________ Timing ______________________

Providing for retirement Amount __________________ Timing ______________________

Other: ____________________ Amount __________________ Timing ______________________

0 to 1 year 1 to 5 years

5 to 10 years 10 to 20 years

Already retired 5 to 10

Less than 5 years More than 10


13

8. Over the next several years, do you expect your household annual income to:

9. I am expecting an inheritance of approximately $ _______________ in

10. Due to a general market correction, one of your investments loses 25% of its value in a short

time after you buy it. What do you do?

11. Some people need their investment portfolio to generate current income to meet on-going needs. This typically tilts the investment portfolio towards bonds and dividend-paying stocks. How accurately does this describe your objectives? 12. You have just reached the $10,000 plateau on a TV game show. Now you must choose between quitting with the $10,000 in hand or betting the entire $10,000 on one of the three scenarios below. Which would you choose? 13. How large of a temporary decline in your portfolio are you willing to accept before changing your investment strategy, assuming you start with $100,000? 14. By what percentage do you expect your portfolio to grow annually over the long term (10+ years)?

Decrease moderately Stay about the same

Decrease substantially Grow moderately

Grow substantially

0 to 5 years 10 to 15 years

5 to 10 years More than 15 years

Sell the investment Hold it & wait for it to climb back up, then sell

Hold it Buy more at the new lower price

Very accurate Slightly accurate

Moderately accurate Not accurate at all

Take the money & run A 20% chance of winning $75,000

A 50% chance of winning $50,000 A 5% chance of winning $100,000

10% decline (portfolio value is $90,000) 25% decline or greater (portfolio value is $75,000 or less)

15% decline (portfolio value is $85,000) 50% decline or greater (portfolio value is $50,000 or less)

20% decline (portfolio value is $80,000)

0% - 2% 4% - 6% More than 8%

2% - 4% 6% - 8%


14

____________________________________________________ _________________________________

Client Name Date

____________________________________________________ _________________________________

Advisor Signature Date

Notes:

15

Notes (continued):


€¦ · if you could change three things about your current financial situation, what would you...

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