01
Financial Overview
Snapshot of wealth, income, and monthly cash position
Net Worth →
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Assets — · Liabilities —
Monthly Income →
—
— annually
Est. Monthly Expenses →
—
After savings & taxes
Portfolio Value →
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Investment accounts only
Monthly Income Allocation
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Monthly
Taxes
Savings
Known Exp.
Remainder
Portfolio Composition
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Equity
Stocks
Bonds
Cash/Other
02
Key Indicators
Financial health ratios and readiness measures
Liquidity Ratio
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Months of expenses in liquid assets
Target: 6+
FI Ratio
—
Net Worth ÷ Annual Expenses
Target: 25+
Housing Ratio
—
Housing costs ÷ gross income
Target: ≤ 30%
Debt-to-Income
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Monthly debt ÷ monthly income
Healthy: below 36%
Savings Rate
—
Monthly savings ÷ gross income
Cash Reserve
—
Goal: — · Coverage: —
Equity Rate
—
Portfolio in equities
03
Cash Flow
Income, savings, expenses, and taxes breakdown
Monthly Breakdown
| Item | Monthly | Annual |
|---|---|---|
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Remainder (Discretionary)
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Cash Flow Visual
Income—
Savings—
Taxes (Est.)—
Debt Payments—
Known Expenses—
Remainder—
Net Income After Debt (Annual)—
04
Goals
Financial objectives with progress tracking
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05
Tax Estimates
Current-year projection based on income and deductions
Tax Summary
AGI
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Average Rate
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Marginal Rate
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Cap Gains Rate
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Bracket Position
— to lower bracket
— to higher bracket
Total Tax Rate (of AGI)—
Estimated Annual Tax—
Tax Return Last Reviewed2024
Tax Planning Notes
1
Roth Conversion Opportunity
Review conversion amounts annually. Check bracket room below.
2
Strategic Withdrawals
Prioritize taxable brokerage and pre-tax accounts. Review withdrawal sequencing annually.
3
Capital Gains Rate = —
Long-term gains taxed favorably. Maintain tax-efficient holdings in taxable brokerage.
4
Annual Tax Return Review
Verify taxable income and deductions match plan assumptions during Q1 review.
06
Investment Portfolio
Account balances, allocations, and risk profile
Account Summary · Total —
| Account | Owner | Type | Risk | Value |
|---|---|---|---|---|
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By Asset Type
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Equity
Stocks
Bonds
Cash
US vs. Non-US
US
—
Non-US
—
By Tax Type
Pre-Tax
After-Tax
Taxable
Portfolio Risk Profile
Your Risk Tolerance
—
Comfort with volatility (1–100)
Portfolio Risk Score
—
Comparing to stated tolerance
Risk Gap
—
Portfolio score − tolerance
Concentrated Holdings
None noted
Flag if any single holding >10% of portfolio
Suitability Profile
Investment Objective—
Financial Situation—
Time Horizon—
Investment Experience—
Liquidity—
07
Retirement Income
Spending capacity, guardrails, and income sources
Monthly Spending Capacity
—
Estimated at retirement
Current Net Income (Less Debt)
—
Monthly take-home after debt
Retirement Portfolio Target
—
—
Spending Guardrails
When the portfolio hits a guardrail, adjust spending as shown below.
Portfolio Value at Guardrail
↓
↓
↓
↓
↓
Monthly Spending
⬇ Decrease Monthly Spend
Portfolio fell below target
✓ On Track
⬆ Increase Monthly Spend
Portfolio grew above target
Future Income Sources
| Source | Monthly | Start |
|---|---|---|
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Current Retirement Contributions
| Account | Monthly |
|---|---|
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Retirement Guardrails Method
The retirement withdrawal guardrails method sets an initial sustainable withdrawal and adjusts spending only when the portfolio moves outside preset upper or lower guardrails. This rules-based approach creates spending raises after strong markets and cuts after weak markets.
Current Net Income (Less Debt)—
Household Annual Income—
Investment Objective—
Time Horizon—
Plan Length—
08
Retirement Timeline
Key dates and milestones ahead
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Investment Contribution Strategy
Prioritize tax-deferred and taxable brokerage accounts. Review withdrawal sequencing as retirement approaches.
Near-Term Action Items
Risk Tolerance ReviewAnnual
Roth Conversion ReviewAnnual
Cash Reserve TargetReview
Withdrawal Rate RevisitEvery 1-2yr
09
Meeting Agenda
Current planning priorities and annual review items
Agenda Items
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Annual Items
| Item | Due | Notes |
|---|---|---|
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Questions for This Meeting
Add questions from Section_Notes or type directly here
10
Net Worth Detail
Full asset and liability breakdown
Assets · —
| Asset | Value | Updated |
|---|---|---|
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Liabilities
| Liability | Balance | Updated |
|---|---|---|
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Net Worth Summary
Total Assets
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Total Liabilities
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Net Worth
—
Portfolio History