What motivated you to start reviewing your financial plan at this time? How would you describe your current financial situation? (e.g., stable, changing, uncertain, in transition) What are the most important financial goals you hope to achieve over the next 3–5 years? How about over the next 10–20 years? Do you have any major life events (retirement, sale of business, inheritance, relocation, etc.) on the horizon?
How familiar are you with investing and financial markets? What types of investments have you used before (stocks, bonds, mutual funds, ETFs, structured notes, insurance products, etc.)? What has been your best and worst investment experience—and what did you learn from it? How actively do you prefer to be involved in managing your portfolio?
How do you typically react when markets decline sharply (e.g., 10–20%)? What level of short-term fluctuation are you comfortable with if it helps achieve higher long-term growth? When markets are volatile, do you tend to: 💪 Stay invested and ride it out 🛑 Move to cash or safer investments 📈 Add more to take advantage of lower prices What concerns you most about investing? How would you define “success” for your investment portfolio?
Who are the most important people you want your life insurance to protect or benefit? If something were to happen to you, what financial responsibilities would you want covered immediately (e.g., mortgage, tuition, income replacement, business obligations)? Beyond income protection, what legacy would you like your life insurance to help create for your family, community, or favorite causes? How would you want your loved ones to feel — financially and emotionally — about the planning you put in place?
At what age do you plan (or hope) to retire? What does an ideal retirement look like for you? (e.g., travel, part-time work, volunteering, family time) How confident are you in your current retirement plan or savings trajectory? What sources of income do you anticipate during retirement (Social Security, pensions, investment income, annuities, etc.)? How important is it to have protection against market downturns during retirement? Would you prefer a strategy focused on 💰 income stability, 🚀 growth potential, or ⚖️ a balance of both?
How important is minimizing taxes on investment gains or retirement withdrawals? Do you currently use tax-advantaged accounts (IRAs, Roth IRAs, trusts, charitable vehicles)? Are you interested in strategies that integrate insurance or structured solutions for tax efficiency? What are your goals regarding estate planning or leaving a financial legacy? Are there specific individuals, charities, or organizations you’d like to benefit?
Do you rely on your portfolio for income today? If yes, what percentage of your annual expenses does it currently cover? How much liquidity do you prefer to keep for short-term needs or emergencies? Are you open to investments with limited liquidity if they offer stronger protection or yield?
What matters most to you when it comes to your money? (e.g., security, growth, family, philanthropy, independence) How do you define “financial peace of mind”? If you could change one thing about your financial situation today, what would it be? What does “success” look like to you in 5, 10, or 20 years?
