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Name of Advisor

Date

Website Address

THE FINANCIAL PLANNING PROCESS:

goalgamiPro

Powered by: Advisor Software, Inc.

YOUR HOUSEHOLD BALANCE SHEET

YOUR LOGO HEREName of Firm

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WHAT IS THE BENEFIT OF GOAL-DRIVEN INVESTING?

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Why we make a list: Identify items we need Avoid overspending Prioritize what most necessary for

feeding the household Have direction and sense of

purpose Stay organized and productivity

becomes more efficient

How many of you make a list prior to going to the grocery store?

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Why we choose to be goal-driven when it comes to yourhousehold finances:

Same rules apply here

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•Identify your financial goals

•Avoid financial pitfalls

•Prioritize your most important financial goal

•Have direction and a benchmark of where you want to be

•Have a clear map to goal affordability

•Know your goal timeline and when to expect results

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What if the return on your investments was also a return on life?

R.O.L. (Return on Life)

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A goal-driven plan

ROI from that plan

Household Balance Sheet

Report

YOUR HOUSEHOLDBALANCE SHEET

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YOUR LOGO HEREGoal Achievement Report

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Snapshot of your household financial

circumstances.

Initial diagnosis of the affordability of your goal

plan.

YOUR LOGO HERE“What Is My Plan?”

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Liabilities = GoalsFuture cash flow needs of the household,

such as goals, debt and expensesAssets = ResourcesEverything used to fund Commitments, such as investment accounts, social security and future savings (income)

YOUR LOGO HEREYour Household Balance Sheet

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YOUR LOGO HEREYour Resources - “Can I Afford My Goals?”

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Purchasing Power: The Household Balance Sheet reflects the purchasing power of your resources. Commitments are paid for with after-tax dollars. If your retirement assets are largely IRA and 401(k) assets, make sure you evaluate the impact of different tax rates on your ability to pay for living expenses in retirement. Consider a Roth conversion.

Risks: If future savings make up the majority of your resources, consider life or disability insurance, particularly if commitments are unchanged with the loss of income.

Liquidity Traps: If your resources consist primarily of future cash flows and/or restricted accounts, and you have large short-term commitments, consider borrowing but evaluate the impact of the payments on your Household Balance Sheet.

YOUR LOGO HEREYour Resources - “Can I Afford My Goals?”

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Goal Priority Classes: Goals are fuzzy concepts – your Household Balance Sheet should capture that fuzziness. Goals should have different priority levels – this allows for trade-offs of different funding levels across goals.

Cash Flows: Goals are simply future cash flows. The discount rates for the present value of these cash flows should reflect expected investment returns and inflation assumptions – different rates should be modeled to understand the impact on the Household Balance Sheet.

Risks: If your Resources barely cover your necessary goal level, your investment portfolio should be conservatively invested so as not to put funding your necessary goals at risk. Think asset-liability matching fixed income strategies with an inflation hedge.

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“How Do I Pay for My Retirement?”

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YOUR LOGO HEREgoalgamiPro - Notes, Disclosures, Action Plan

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YOUR LOGO HEREParting Thoughts

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1. Investment assets exist to fund goals If the goals change, then the portfolio should be rebalanced

2. Goals should be managed like assets - managing your Household Balance Sheet is a lifetime challenge Steps required later in life are dependent on what has occurred earlier

3. Success is related to goal attainment, not beating an index The advisor as financial coach enables you to achieve your aspirations

4. You can’t manage what you don’t measure - a Household Balance Sheet is a great tool to evaluate whether your goal plan is affordable

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“Our goals can only be reached through a vehicle of a plan, in which we must fervently believe, and upon which we must vigorously act. There is no other route to success.” Pablo Picasso

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Contact me for a free Household Balance Sheet report and 30 minute consultation.

Advisor

Advisor e-mail and phone

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THANK YOU!

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