Financial concerns come in many ways. We list some of the prominent ones below:

• Loss of Earning Power - How can you plan to effectively deal with the loss of earning power due to retirement, disability or death?
• Accumulating Money - How can you save enough money to provide the financial cushion to handle emergencies or support future monetary needs?
• Inflation - What changes can be made to strengthen your financial program so that it minimizes the effects of inflation on your earning power?
• The Impact of Taxes - How can you enhance your financial position by minimizing your tax bill?
• Estate Settlement Costs - What can be done to reduce the potential tax burden of settling your estate?

As a means of combating these concerns, we will perform with you an "Information Gathering Interview."

The INFORMATION GATHERING INTERVIEW

Overview:

• Brief review of the Financial Planning Process
• Participation of Spouse and other Family Members
• Discuss Confidentiality of Information

Review Data Gathering Forms and Documents

• Review personal Information Booklet
• Discuss Employee Benefits, Career Path Investment Attitudes and Risk Tolerance
• Current Will, Trust Agreements, and Estate Arrangements
• Two years of tax returns
• Financial asset statements
• Insurance policies
• Employee benefits
• Liabilities
• Medical information

Review of Notes and Personal Objectives

• Anticipated Retirement Date, Location and Philosophy
• Estate Liquidity and Survivor Income Objectives
• Prioritize Personal Objectives
• Education Goals for Self, Children and Grandchildren
• Determine Risk Tolerance Levels
• Attitude on Gifts to Children/Grandchildren