| It's important to make time each year to assess your financial situation. This process involves a review of a number of areas of concern. To assist you, we have provided a couple of checklists below. These should help determine if there are any areas we need to discuss. By working together we can catch problems before they occur, measure progress toward established goals, and make any necessary adjustments. |
Review Topics
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Cash flow management: Includes budgeting, emergency cash reserves and debt management. |
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Risk management - Health and disability: Checks for suitable health, disability and long term care coverage. |
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Risk management - Life insurance: Reviews current life insurance planning, including the most appropriate amount and type of insurance. |
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Income tax: Looks for appropriate strategies to keep the income tax burden to the lowest level possible. |
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Accumulation - General: Establishes goals and methods of accumulating funds for general savings goals such as college education. |
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Accumulation - Retirement: Evaluates current plans to accumulate the resources necessary to ensure a comfortable retirement. |
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Estate planning: Checks to see if the appropriate tools and strategies are being used to ensure that the estate will pass to the chosen heirs with minimum delay and costs. |
Common Life Events
| New child or grandchild |
Change in marital status |
Death of family member |
| New job or promotion |
Change in estate plan |
New investments or insurance |
| Receipt of an inheritance |
Sale or purchase of home |
Retirement |
| Major investment gain/loss |
Start/purchase a business |
Gain/loss business partner |
| Health concerns |
Sold or acquired assets |
Other: _________________ |
Areas of Interest or Concern
Services offered through Stephen E. Anable & Associates, Inc.
| Estate planning |
Survivor benefit planning |
Business continuation |
| Health/LTC planning |
Business/exec. Benefits |
Other: _________________ |
| Charitable giving |
Disability income |
Services offered through Jefferson Pilot Securities Corporation
| Retirement Planning* |
Education funding* |
Investment review* |
Life Insurance | Health Insurance | Flexible Spending Plans
Disability Insurance | Long Term Care | Fee-based Planning
College Planning | Estate Planning | 401K's | 403B's | IRA's
©2004 Northern Financial Management
*Investments and advisory services are offered to residents of the states of CA CO CT FL MI MN OH & TX
through Representatives of Jefferson Pilot Securities Corporation, (JPSC) Member SIPC.