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FINANCIAL LIFE PLANNING CHECKLIST
Name:
E-Mail Address

 Retirement Planning

Are you satisfied that you will be financially ready for retirement?
Yes   No  
Are you satisfied that you are using the best available tax strategies
to accumulate funds?
Yes   No  
Do you have adequate protection against a market downturn?
Yes   No  

 Accumulation

Are you satisfied that you are using the most appropriate asset
allocation based upon your time horizon, financial goals, and
tolerance for risk?
Yes   No  
Is your portfolio adequately diversified to cope with the many
possible economic scenarios that we face?
Yes   No  
Do you need to provide funding for future education needs?
Yes   No  
Do you need to plan for any major purchases, e.g., new home,
wedding, extensive travel, helping children with down payments?
Yes   No  

 Risk Management

Do you have adequate life and disability insurance?
Yes   No  
Have you made provisions for long term care?
Yes   No  
Do you have a property/casualty agent?
Yes   No  
Are your assets protected adequately through property casualty
insurance, umbrella coverage, ownership and beneficiary
designations?
Yes   No  
Do you have business concerns, e.g., adequate liability insurance,
business interuption insurance, or property/casualty?
Yes   No  

 Taxation

Are you doing everything you can to protect your income from taxes?
Yes   No  
Are you comfortable with your present gift and estate tax planning?
Yes   No  

 Estate Planning

Do you have a will?
Yes   No  
Do you know where it is?
Yes   No  
Is it current?
Yes   No  
Do you have a Revocable Living Trust?
Yes   No  
Is it funded?
Yes   No  
Do you know whether a Revocable Living Trust is right for you?
Yes   No  
Should you be considering gifting to reduce your estate tax
burden?
Yes   No  
Should you consider a Charitable Remainder Trust?
Yes   No  
Should you consider an Irrevocable Life Insurance Trust? (As
a vehicle to pass assets to your loved ones free of federal
estate tax.)
Yes   No  

Do you need help with any of the above?
Yes   No  

* Securities and advisory services offered, in states where licensed, exclusively through representatives of KMS Financial Services, Inc., Member FINRA/SIPC and an SEC Registered Investment Advisor.

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