What to expect during your Fact Finder Appointment

Factfinder

What to Bring

To make sure you're prepared and we can truly set you up for a successful retirement, please make sure you bring the following with you to your factfinder appointment:

  • Your total current expenses (include ALL of your expenses including annual property taxes, food, insurance, rent/mortgage, cell phone, tv/internet, charitable giving, fuel, prescriptions, doctors, dental, etc…)
  • Your total current income (break down each source of income including current income and other income that may not start until later (like pensions), only include real income that is guaranteed for the rest of your life, if it’s not guaranteed income, then it’s ifcome and won’t be counted)
  • Your Social Security payments or payment breakdown (this is needed if you haven’t already started taking your SS yet and can be accessed by creating a free account at www.ssa.gov and will show your SS payments at various ages from 62-70, if you’re married, get this for both spouses)
  • Information on any annuities you currently own (company, type, term, balance, purchase date, fees, etc, all this information should be on your most recent quarterly statement)
  • Information on any life insurance policies for either spouse
  • Information on any long-term care policies that are in force
  • Approximate value of your primary residence and any other property you own if you were to sell it at today’s value and the mortgage amount on each
  • A list of your current asset sources and their amounts (IRAs, 401(k)s, or any other retirement-type of accounts you have along with any after-tax accounts like Roths, non-qualified retirement accounts, cash accounts, precious metals, etc)
  • A list of your biggest concerns in retirement (what keeps you up at night)
  • Lastly, you should also explain in as much detail as possible what you see your retirement looking like. What are you doing? What is your life purpose? Where are you living? Who are you spending time with? What legacy do you want to leave when you're gone? Are you working part-time, fully retired, volunteering your time, travelling a lot, spending time with grandkids, etc. What about 10 years in? 20 years in? 30 years in? How long do you think you'll live? Just a brief write-up or bullet point list of the picture you have in mind for your retirement (each member of a couple should do this on their own, it might be an insightful project) so we have a target to aim at.

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