- Are you maximizing your human capital? How are you investing in yourself since this is your greatest opportunity for return on investment?
- Do you know if you’re maximizing your annual income and savings, and do you pay yourself first?
- Is your savings working for your future? Are you saving money in the most tax-efficient way?
- What is your multi-year spending plan?
- Is your emergency reserve based on your spending plan?
- What is the difference between tax preparation & planning?
- Have you had a tax professional complete a multi-year tax projection for you?
- When filing your taxes, are you maximizing your deductions?
- Do you have a clear understanding of how different forms of income are taxed and what your effective tax rate & marginal tax bracket are?
- Are your financial documents in order and have you securely disposed of unneeded items?
- What is your cyber security plan?
- What are your risks and are they properly covered?
- Does your current estate plan reflect your wishes, does it protect your loved ones?
- Are you properly housed with the right mortgage?
- What does financial independence look like to you and your family and are you on track to achieve it?
- Do you clearly understand your financial independence/retirement plan?
- What is your current asset allocation?
- What is the performance history of your portfolio?
- What does risk tolerance mean to you and your financial plan?
- Are your investments aligned with your goals and vision?
- Are you focusing on what you can control – diversification, expenses & taxes?
- Do you have a list of tasks you need to complete annually to achieve financial independence?
- What was the total cost over the last 3 years you have been paying for financial advice, investment management, tax planning & preparation?
Certified Financial Planner Board of Standards, Inc. owns the certification marks CFP(R),
Certified Financial Planner™ and CFP(R) in the U.S., which it awards to individuals who successfully complete initial and ongoing certification requirements
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