Financial Lifestyle Strategy Worksheet

1. Client Information

Capture the household details needed to prepare a complete Financial Lifestyle Strategy worksheet.

Full name

Date of birth

Spouse name

Spouse date of birth

Phone

Email

State

Client age

Spouse age

Home address

Children planning details

Household status

2. Top Financial Goals

Rate each goal from 1 least important to 10 most important.

Build retirement wealth 4 Pay off credit cards 4 Help support aging parents 4 Buy a new home 4 Alternate income in case of death or disability 4 Build savings for unexpected expenses 4 Finance college for children 4 Make a major purchase 4 Other accounts or savings goals 4

3. Retirement Accounts

List 401k, 403b, IRA, TSP, pension, or other retirement funds.

Total Balance: $0 Total Monthly Contribution: $0

4. Manage Debt

Choose each debt type, then enter the lender, balance, rate, and monthly payment. The blank fields show examples for guidance.

Total Debt: $0 Total Monthly Payments: $0

5. Emergency Fund

Capture liquid savings and monthly emergency fund contributions.

Total Emergency Fund: $0 Total Monthly Savings: $0

6. Income

Capture household income so the worksheet can calculate monthly cash flow.

Current annual income

Spouse current annual income

Bonus / commission

Spouse bonus / commission

Monthly Income: $0 Spouse Monthly Income: $0 Total Monthly Income: $0 Total Household Annual Income: $0

7. Expenses

Enter the monthly expense breakdown to calculate discretionary income.

Total Expenses: $0 Discretionary Income: $0

8. Protection Planning

D.I.M.E. stands for Debt, Income, Mortgage, and Education. These fields auto-fill from the worksheet where possible so the life insurance estimate is faster to review.

D - Debt to pay off

I - Annual income to protect

M - Mortgage balance

E - Children needing education support

Current life insurance coverage

Spouse life insurance

Premium

Carrier

Type

Cash value

Monthly household responsibilities

Total Current Life Insurance: $0

9. Retirement Income Picture

Compare expected retirement expenses against known income sources to identify the monthly gap.

Desired retirement age

Desired monthly retirement income

Projected Social Security income

Pension or other guaranteed monthly income

Retirement funds saved

Estimated retirement housing expense

Estimated healthcare expense

Estimated lifestyle and daily expenses

Long-term care planning need

Estimated long-term care budget

Comfort with market risk: 5/10

10. Next Appointment & Notes

Schedule the follow-up appointment, document the confirmed Zoom time, top priorities, notes, and comfortable monthly savings amount.

Use the Zoom scheduler to select a time for the free retirement income review. After the time is confirmed in Zoom, enter the confirmed appointment date and time below so it is included on the worksheet summary.

Schedule Retirement Income Review

Confirmed Zoom appointment date

Confirmed Zoom appointment time

Zoom confirmation or scheduling notes

Out of the goals discussed, which 3 are most important?

Priority areas

Life insurance foundation Retirement income plan Debt and mortgage protection Children education goals Secure-account options Business or legacy planning

What concern would you like to solve first?

Additional notes for the review

Comfortable monthly savings

$300 $500 $1,000 $1,500 Other

Other monthly savings amount