Client Documents...Profile reports are compiled and presented instantaneously after you complete a simple, 10-minute online questionnaire. Results are delivered immediately by email

Client Documents

Client Process

Personal Economic Model®

What Keeps You Up

CQ-Confidential Questionnaire

Communication Profile

10 Step Client Process

What Keeps You Up At Night? RETIREMENT

Financial issues as retirement draws near Do I have enough to retire? How long will my money last? Should I roll over my 401(k)? Which is best? Ordinary or Roth? Should I consolidate my retirement plans? What are my 401(k) distribution options Required Minimum Distributions (RMDs) Which asset to spend 1st, keep to last?

ESTATE PLANNING

Are my beneficiary designations correct? Should I stretch my IRA? Have I told my survivors my wishes? Do I know what I need to know about estate and inheritance taxes? Is my current plan maximizing my tax deductions to my heirs? Should I set up a trust? What should I do with my home at my death? What is IRD? Am I effectively managing my estate? How can I give my money away, have enough retirement income, and still pass my assets to my children/grandchildren? How do I spend the assets I have left efficiently?

ELDERCARE

Caring for my aging parents How will I be able to help a loved one with Alzheimer’s disease? Being a caregiver Finding the right care facility for an older relative Choosing long-term care insurance When do I consider a nursing home? Making sense of Medicare. Power of attorney issues Executor and Executrix responsibilities

EDUCATION PLANNING What will it cost me to get ready? Understanding college savings options 529 college planning Do I qualify for financial aid for my kids? What is FAFSA? State or Private schools? Is there a way to shelter assets?

LIFE EVENTS/FAMILY SECURITY

Upcoming wedding expenses What to do when a relative dies New job/career - benefits review 401(k) plan choices for job changes Life Insurance - How much is enough? Divorce/Spouse death: Now you’re “on your own” Grandchildren have arrived! I want to enhance their financial future Disability: Who will pay my monthly bills when I can’t work?

FINANCIAL BASICS

Organizing my financial records Create a household budget Reducing debt Creating a simplified “big picture” plan

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CONFIDENTIAL QUESTIONNAIRE for

The purpose of this financial questionnaire is to assemble a summary view of your financial situation which we will use to ensure the best use of our time together. It is important to be thorough and list all your information to ensure that any options we discuss are appropriate for your unique situation. All information is strictly confidential.

Personal and Family Information Your Full Name Date of Birth Spouse (Full Name) Date of Birth

Child Date of Birth Child Date of Birth

Child Date of Birth Child Date of Birth

Primary Residence Street & No. City State Zip

Home Telephone Cell Phone Email Address

Occupation, Income, and Income Tax Rates Yours (Position) Employer Work Phone

Current Base Salary $

Annual Increase %

Annual Bonus $

Spouse (Position) Employer Work Phone

Current Base Salary $

Annual Increase %

Annual Bonus $

Current Effective Income Tax Rate %

Retirement Effective Tax Rate %

Expected Inflation Rate %

Approximate Credit Score

Defined Benefits (Social Security, PERs, Railroad Pension, etc.) Benefit Provider Annual Benefit COLA Percent

Taxable Benefit Start Age

Benefit End Age Owner

$ % %

$ % %

$ % %

$ % %

Other Future Income or Assets (Inheritance, Sale of Business, etc.) Description Anticipated Value Event Age /

Year Owner/Payee

$

$

$

Income

©MoneyTrax, Inc. All Rights Reserved Page 1 of 4

Real Estate and Mortgages Purchase Date

Purchase Price

Current Market Value

Down Payment

Loan Origination Date

Original Loan Amount

Original Loan Term

Annual Interest Rate (%)

Loan Balance Remaining

Monthly Principal & Interest Payment

Primary Residence

$

$

$

$

%

$

$

2nd Residence

$

$

$

$

%

$

$

Other Real Estate

$

$

$

$

%

$

$

Qualified Retirement Accounts (IRA, Roth, 401k, SEP, deferred comp, pension balances, etc.) Name / Type Institution Contributions or

Withdrawals (/year) Employer Match Account Balance Annual

Return % Owner

$

$

$

%

$

$

$

%

$

$

$

%

$

$

$

%

$

$

$

%

$

$

$

%

Savings and Investment Accounts (cd’s, securities, bonds, mutual funds, ETF’s, annuities, etc.) Name / Type Institution Contributions or

Withdrawals (year) Account Balance Cost Basis Annual

Return (%) Owner

$

$

$

%

$

$

$

%

$

$

$

%

$

$

$

%

$

$

$

%

$

$

$

%

Assets


Installment Loans (auto, boat, RV, student/parent college, HELOC, etc.) Type of Loan Purpose Monthly Payment Interest

Rate (%) Months Remaining Unpaid Balance

$

%

$

$

%

$

$

%

$

$

%

$

Revolving Credit Lines (credit cards, store charge cards, checking credit lines, etc.) Type of Card / Issuer Monthly Payment Monthly

New Charges Interest Rate (%) Unpaid Balance Grace Period on

New Charges

$

$

%

$

Yes / No

$

$

%

$

Yes / No

$

$

%

$

Yes / No

$

$

%

$

Yes / No

Life Insurance (term, cash value) Company / Policy Type Purchase Date Annual

Premium Outstanding Loans

Current Cash Value Death Benefit Named Insured Beneficiary

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

$

Other Insurance (auto, homeowners, renters, umbrella, health, disability, long term care, etc.)

Company / Policy Type Purchase Date Annual Premium Deductible Named Insured Benefit/Coverages

$

$

$

$

$

$

$

$

$

$

$

$

$

$

Wills and/or Living Trust? Yes / No

Date Last Reviewed:

Liabilities

Protection


Future Expenses (college, weddings, etc.) Description of Future Expense Expense Year Payor

$

$

$

Additional Comments: (Other factors that could be important to your financial position.) Please bring to your first meeting:

Paycheck Stubs Company Benefit Statement or Summary

Statements on all Investments / Securities Company Benefit Booklet

Bank Statements Social Security Earnings Statement

Tax Return – most recent two years Wills & Trust Documents

Insurance Policies

Medical Car Home Other:

Life Umbrella Disability Income Other: DOCUMENT RECEIPT: I have received the above checked documents for review and they will be kept confidential in a place of safe keeping. Representative Signature: ____________________________________ Date Received: ______________________ Representing:___________________________________________________________________________________

Expenses


The Communication Profile

Communication Profiles are personalized, detailed reports which accurately describe your natural

strengths, your specific talents & strengths, and

your do’s and don’ts in communicating.

Profile reports are compiled and presented

instantaneously after you complete a simple, 10-

minute online questionnaire. Results are

delivered immediately by email.

The questionnaire: The questionnaire consists

of 24 boxes. Each box contains four adjectives

we call “descriptors.” The user reads each of the

four descriptors and chooses which one

describes what he/she is most like and least like.

It’s that simple.

The profile report: Although the profile questionnaire is quick and simple to complete, it provides

sophisticated data in a 20-page report in the following sections:

Introduction: a detailed overview of the report contents.

Your Natural Strengths

o Your Natural Strengths Scales: a narrative explanation of the four scales used to

measure your natural strengths: problem solving, processing information, managing

change, and facing risk.

o Your Natural Strengths Chart: a visual picture in graph form representing your natural

strengths in the four predictable areas: problem solving, processing information,

managing change, facing risk.

o General Characteristics: a narrative summary which summarizes a broad understanding

of your strengths.

o Value to the Team: a list of specific talents and strengths that you bring to a team and/or

relationship.

Communication

o Do’s in Communicating: a checklist for others to use with you (or for you to specify to

others) that outlines action steps they can take to communicate effectively with you.

o Don’ts in Communicating: a checklist for others to use with you (or for you to specify to

others) that outlines communication methods that frustrate you or reduce your

performance.

To take the assessment now, visit: www.ccp4me.com and enter the following “Respondent Login:”

________________________________

http://www.ccp4me.com/

Advisor Documents

Client Process

10 Questions + What Keeps You Up

Discovery Questionnaire

10 Steps to the Circle of Wealth® system Client Process

© MoneyTrax, Inc. All rights reserved.

CLIENT: DATE:

1. How did you hear about us and what do you know about our company?

2. What are you currently doing in preparation for your financial future?

3. What do you like most about what you are doing?

4. What don’t you like about your current financial position?

5. What would you like to see enhanced or improved?

6. What has been your past experience with preparing for your financial

future?

7. What would you “ideally” like to accomplish with your financial

strategy?

8. Tell me about your decision making process.

9. What keeps you up at night? 10. Complete this sentence: “When it comes to my money and financial

situation, the only thing I REALLY care about is _____________.”

What Keeps You Up At Night? RETIREMENT

Financial issues as retirement draws near Do I have enough to retire? How long will my money last? Should I roll over my 401(k)? Which is best? Ordinary or Roth? Should I consolidate my retirement plans? What are my 401(k) distribution options Required Minimum Distributions (RMDs) Which asset to spend 1st, keep to last?

ESTATE PLANNING

Are my beneficiary designations correct? Should I stretch my IRA? Have I told my survivors my wishes? Do I know what I need to know about estate and inheritance taxes? Is my current plan maximizing my tax deductions to my heirs? Should I set up a trust? What should I do with my home at my death? What is IRD? Am I effectively managing my estate? How can I give my money away, have enough retirement income, and still pass my assets to my children/grandchildren? How do I spend the assets I have left efficiently?

ELDERCARE

Caring for my aging parents How will I be able to help a loved one with Alzheimer’s disease? Being a caregiver Finding the right care facility for an older relative Choosing long-term care insurance When do I consider a nursing home? Making sense of Medicare. Power of attorney issues Executor and Executrix responsibilities

EDUCATION PLANNING What will it cost me to get ready? Understanding college savings options 529 college planning Do I qualify for financial aid for my kids? What is FAFSA? State or Private schools? Is there a way to shelter assets?

LIFE EVENTS/FAMILY SECURITY

Upcoming wedding expenses What to do when a relative dies New job/career - benefits review 401(k) plan choices for job changes Life Insurance - How much is enough? Divorce/Spouse death: Now you’re “on your own” Grandchildren have arrived! I want to enhance their financial future Disability: Who will pay my monthly bills when I can’t work?

FINANCIAL BASICS

Organizing my financial records Create a household budget Reducing debt Creating a simplified “big picture” plan

Discovery Questionnaire

For

Tell me about... What are your thoughts on ...

What are your ideas on … I'm confused, what did you mean by ___?

Why is that? Define for me...

What's your opinion on ... I don't understand.

Elaborate for me... What's the impact of that?

How's that? Give me an example of…

What did you mean when you said ... How does that look to you?

How so? Why is that important?

What does _______________ mean to you? How do you feel about that?

Clarify for me what you meant by … What are your thoughts on that?

©MoneyTrax, Inc.: Developer of innovative communication tools for professionals in the financial services industry.

10 Open Ended Questions 1. How did you hear about us and what do you know about our company?

2. What are you currently doing in preparation for your financial future?

3. What do you like most about what you are doing?

4. What don't you like about your current financial position?

5. What would you like to see enhanced or improved?

6. Describe the ideal financial professional/financial strategy.

7. What's been your past experience with preparing for your financial future?

8. What would you "ideally" like to accomplish with your financial strategy?

9. Tell me about your decision making process.

10. What keeps you up at night?












Family Status

1. Tell me a little about you... your family... your children...

2. What are your plans for future growth?

3. How did you and your spouse meet?

4. Tell me about your family life growing up.

5. What are some of your family goals?

6. What would be your ideal family life?












OCCUPATION / INCOME

1. Tell me about your job.

2. How did you get involved in that occupation?

3. What do you love about what you do?

4. If you could alter or improve anything about your position, what would it be?

5. Tell me about your company.

6. Share with me your future plans with your present occupation.

7. What are your concerns?

8. Where do you see yourself in 5, 10, 20 years?

9. How does what you are doing now meet your lifelong ambition?

10. Knowing your talents, describe the perfect job.












11. What are your opportunities for advancement?

12. How do you feel about your current income?

13. If you won the lottery tomorrow, what would you do?

14. If you didn't work, what would you do?

15. How would you describe retirement?

16. What does retirement look like to you?

17. What makes you happy?

18. What do you love to do?












MORTGAGES

1. Why did you choose this neighborhood?

2. What do you like most about your home?

3. What do you like least about where you live?

4. What are your plans when the kids move out?

5. Tell me about your ideal home.

6. Why did you select your current mortgage payment option?

7. What are your thoughts about having a mortgage payment?

8. Why did you choose a [15 year mortgage over 30] [30 year mortgage over 15]

[variable vs. fixed rate] [fixed vs. variable rate]?

9. What are your long range plans about staying in this home?

10. What role does the current tax deductibility of mortgage interest play in your financing

decision?












REAL ESTATE

1. Tell me about your properties.

2. Why do you have them?

3. Tell me about the ownership arrangements.

4. Why do you have the ownership arrangements you do?

5. What are your beliefs concerning owning Real Estate?

6. What's been your history regarding owning and selling property?












SAVINGS

1. What are your thoughts on the importance of savings?

2. Tell me about the savings opportunities with your company.

3. What do you like most about their plan?

4. What are your major concerns about saving with the company?

5. What are you saving your money for?

6. What does money mean to you?

7. Tell me about your parents' savings history.

8. What things would you like to model? Avoid?












INVESTMENTS

1. How did you get started investing?

2. What is your current investment strategy?

3 What type of investment products fulfill your strategy and why?

4. What do you like most about your investment portfolio?

5. What do you like least?

6. Where are you going currently for investment advice?

7. How do you feel about the advice you have been getting?

8. What would be the benefits of an ideal investment?

9. What do you plan to do with the money?












DEBTS

1. What is your philosophy toward carrying debt?

2. How does knowing you owe money make you feel?

3. What are your personal limits on borrowing?

4. What are you doing now to eliminate your current debt?

5. How has it been working?

6. What is the impact of continuing in your current position?

7. What does your future necessity for borrowing look like?

8. What would living debt free mean to you, your family? Explain.

9. What things would you want to do if you were debt free?












INSURANCE

Disability:

1. Tell me what you know about your current disability plan.

2. What are the benefits?

3. What prompted you to carry the amount of coverage you have?

4. What is your thinking about not carrying any at all?

5. What is your current plan to solve this problem if it should occur?

Life:

1. What was your decision making process in determining your present level of coverage?

2. What do you want life insurance to do for you? (now and in the future)

3. How do you see your spouse investing the proceeds if payable?

4. Why do you have this particular type as opposed to any other?

Homeowners, Auto, Personal Umbrella:

1. What is your understanding about these areas of protection?

2. Why are you carrying the limits you have currently?