Touchstone Pathway

First Name

Last Name

Email

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I know approximately where my paycheck goes (by category) every month

I am regularly saving an appropriate amount to meet my short and long-term goals.

I know what my debt levels are relative to my net wealth and am satisfied with these levels.

I review opportunities to lower expenses when possible, such as refinancing, credit card consolidation, insurance reviews, etc.

I generally know my social security and other expected benefits and when I will claim these benefits.

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I know approximately when I want to "retire" and have a written set of goals and action steps leading up to that time.

I have reviewed healthcare options and have selected a plan that will comfortably suit me and my family.

I have written down my various my spending goals in retirement and have a good sense of how much they will cost, including inflation, over time.

I know which accounts hold which assets and have a general sense of my withdrawal strategy.

I have generally thought about how I will spend my time and energy once I'm not working.

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I have a well defined investment strategy and stick to it regardless of short term market changes.

My portfolio is allocated in a fashion consistent with my risk tolerance/appetite.

My portfolio is well diversified and I know the approximate allocations of my holdings.

I have a "rebalancing strategy" for my portfolio and consider rebalancing on a regular basis.

I know how my portfolio is performing against relevant benchmarks.

The management and fund fees I am paying are reasonable.

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My Will and/or Trust is up to date, has been reviewed since any law or life changes, and accurately reflects my wishes.

My investment accounts accurately reflect my desired beneficiaries.

The person in charge of my estate is appropriate and is aware of their responsibilities.

I have reviewed my beneficiary designations with an attorney to optimize strategies.

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I have an appropriate amount of cash readily available in case of an emergency.

If I had an emergency and didn't have enough ready cash, I know what steps to take next.

I have an executed Healthcare Power of Attorney naming the persons that will make decisions on my behalf if I become incapacitated. I have talked to them about my wishes.

I have an executed Durable Power of Attorney to act on my behalf if I become incapacitated. We have talked about my wishes.

My next of kin know where my important papers/statements/files/passwords are if I become incapacitated.

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I have assessed my need for life insurance and have an appropriate kind and level.

I have considered and planned ahead if I am unable to work due to an unexpected disability.

I regularly review my level of property and casualty insurance needs and it is adequate.

I have thought through long term care costs and have plans/resources in place to address these.

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My investments are managed so as to reduce any unnecessary tax burden, such as portfolio turnover, harvesting losses, location optimization, etc.

I understand the role of tax deferred or tax free accounts and have a strategy to use them.

I regularly confer with my tax preparer and/or advisor about tax minimization strategies.

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I have identified my top values and priorities and and spend my time and energy accordingly

My checking account and credit card statements align with my values and priorities.

I am aware of how I spend my time, talents and treasures and am at peace.

I have interests that I engage in outside of work

My values are clearly reflected in how I manage my wealth and resources

9) Is there anything else you would like to tell us about at this point?

Overview

1) Budget and Cash Flow

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2) Retirement Planning

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3) Investments

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4) Estate Planning

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5) Contingency Planning

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6) Insurance Planning

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7) Tax Planning

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8) Values and Priorities

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