Email: Sharon Rich

What to bring to session

• Annual income and expense summaries
• Net worth statement
• Updated value of investment accounts
  
• Most recent tax returns
  
• Most recent pay check stubs & company benefit booklets
  
• Insurance policies (home, car, excess liability, professional liability, health, long term care)
  
• Legal documents (wills, trusts, health care proxy, durable power of attorney, divorce, prenupt & relationship agreements, loan agreements)
• Details on debt (amount due, interest, term)
  
• Social Security and other retirement projections
  

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Download excel version of  Net Worth Statement

Download excel version of  Income
 
Download excel version of 
Personal Expenses,
Children's Expenses,
Business & Rental Property Expenses

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If you can't download the excel sheets, bring details on your annual income and expenses using the list below:

 
INCOME:  

• Gross Salary
• Bonuses, Tips
• Commissions
• Consulting/Self Employment
• Benefits
• Employer contributions to retirement
• Dividends
• Taxable Interest
• Checking Accounts
• Savings Accounts
• Money Market
• US Treasuries & bonds
• CD's
• Bonds
• Loans
• Nontaxable interest: State
• Nontaxable interest: Non-state
• Capital Gains
• Rental Income
• Installment Sales
• Partnerships/Business interests
• Social Security
• Pensions
• Retirement Accounts
• Trust Funds
• Unemployment benefits
• Disability Benefits: taxable
• Disability Benefits: tax-free
• Gifts
• Other Taxable
• Other Non-taxable

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PERSONAL EXPENSES
 
BASIC HOUSING

• Rent or Mortgage
• Utilities: Oil & Gas
• Water/Sewage
• Electricity
• Phone: home, cell
• Communications: internet, cable
• Property Taxes
• Fees: Condo, Parking, Etc.
• Repairs, Improvements
• Home Insurance

 
TRANSPORTATION

• Gasoline
• Mass Transit/Tolls/Parking Fees
• Maintenance/Repair
• Lic./Regist./Excise tax
• Car Repayment/Savings
• Auto Insurance/AAA

 
INSURANCE

• Disability (long and short)
  
• Life Insurance
• Umbrella/Liability/Etc.

 
BASICS

• Groceries
• Toiletries, Drug Store
• Clothing

 
MEDICAL

• Health/Dental Insurance including LTC Insurance
  
• Dr/Clinic
• Dental/Eye Care/Glasses
• Medication/Lab Costs
• Therapy: psych
• Physical Therapy; Chiropractor

 
CHILDREN

• Deductible child care
• Tuition
• Supplies/Travel
• Lessons, Camp, Sitting
• Allowance, Misc.

 
MISC. FIXED EXPENSES

• Business Expenses:
• Education Loans
• Immediate. Debt Repayment
• Other: Rental, ...

INCOME TAXES

• Federal
• State/local
• Soc. sec./FICA

SAVINGS

• Retirement
• Roth IRA
• Employer Contributions

 
FOOD

• At work, school
• Restaurants
• Vitamins/Spring Water

 
EDUCATION

• Tuition/Fees

 
HOUSING

• Furniture & Housewares
• Cleaning
• Services & Garden

 
PERSONAL CARE

• Dry clean, Tailor, Laundry
• Hair Care, make up
• Massage, Body Work

 
ENTERTAINMENT

• Parties: Adult/Kids
• Alcohol
• Movies & Movie Rental
• Theatre & Museums
• Concerts & other Music
  
• Sports, Exercise, Health Club
• Magazines, Newspapers
• Subscription services & Gaming
  
• Books

 
CONTRIBUTIONS:

• Deductible
• Non-deductible Contributions

GIFTS

TRAVEL/VACATION
 
MISCELLANEOUS FLEXIBLE EXPENSES

• Professional services
• Financial/Inv Planning
• Postage/Stationery
• Photo film & developing
• Dues/Membership Fees
• Other misc. fees
• Parking Tickets
• Pet Care
• Technology
• Hobbies, collections
• One time expenses
• Other

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last updated 4-20

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