👋
Welcome — Let's Build Your Financial Picture
This short questionnaire helps your Virtuity Financial Partners advisor understand your goals, income, expenses, and protection needs. Your information is private and secure. Complete as much as you can — your advisor will walk through the rest with you in your meeting.
Household Information
Basic client details, contact info, and household composition.
Monthly Cash Flow Surplus
$0
From Income & Expenses
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Allocated to Savings
$0
No contributions entered
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Available to Allocate
$0
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Savings allocation0%
📋 Advisor Details
👤 Client 1 (Primary)
👤 Client 2 (Spouse / Co-applicant) — Optional
👨👩👧 Dependents
| Name | M/F | Date of Birth | Age | Yrs of Education Remaining | |
|---|---|---|---|---|---|
🏦 Beneficiary Information — For annuity & life insurance applications
Goals & Priorities
Select the client's financial goals and identify their top priority. Click a goal to select it, then ★ to mark as primary.
🎯 Financial Goals by Timeframe
Drag goals between timeframes to re-arrange
🔵 Short Term (1–3 years)
Make a Major Purchase★
Build Emergency Savings★
Pay Off Credit Cards / Debts★
Start a Business★
🟡 Mid Term (3–7 years)
Buy a New Home★
Reduce or Pay Off Mortgage★
Education Funding★
Support Aging Parents★
🟢 Long Term (7+ years)
Build Retirement Wealth★
Income Protection (Disability/Death)★
Build a Family Legacy★
★ Click the star on a selected goal to mark it as the primary goal
➕ Additional Goals (not listed above)
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🔥 Risk Tolerance
Income & Expenses
Monthly cash flow analysis — the foundation of the financial plan.
Gross Monthly Income
$0
Total Monthly Expenses
$0
Monthly Cash Flow
$0
—
Savings Rate
0%
Target: 15%+
💼 Employment
Client 1
Client 2
💵 Current Income
Income Source
Client 1 / Month
Client 2 / Month
Total Monthly Income
$0.00
$0.00
💸 Monthly Expenses
⚠ Complete each tab below
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Click through each tab — Housing, Transport, Food, Utilities, Health, Household, Other — and enter any applicable monthly expenses. Don't skip tabs!
Total Monthly Expenses
$0.00
Debt Management
List all current debts. The tool will calculate debt-to-income ratio and estimate payoff timelines.
Total Outstanding Debt
$0
Monthly Debt Payments
$0
Debt-to-Income Ratio
0%
Target: under 20%
Credit Rating
📋 Debt Schedule
| Type | Lender / Description | Orig. Loan ($) | Yrs | Balance ($) | Rate % | Curr. Payment | Min. Payment | |
|---|---|---|---|---|---|---|---|---|
| Totals | $0 | $0 | $0 | |||||
💡 Debt Insights
Proper Protection
Life insurance analysis, disability coverage, and health protection assessment.
❤️ Health Status
📊 Protection Analysis
Annual Income
$0
×
Rule of Thumb
10×
=
Recommended Coverage
$0
−
Existing Coverage
$0
=
Coverage Gap
$0
🎯 Life Insurance Goals
Select all that apply
Term Life Insurance provides temporary, affordable coverage for a set period — ideal for income replacement, mortgage protection, and education funding. Permanent/Cash Value policies (Whole, Universal, IUL) provide lifetime coverage with an accumulation component.
✓
Income Replacement (Term)✓
Mortgage Protection (Term)✓
Pay Off Debt✓
Education Fund✓
Final Expenses✓
Emergency Fund✓
Cash Value Accumulation✓
Business Continuity✓
Estate / Legacy Planning🏦 Existing Life Insurance Policies
Enter all current policies — these offset the coverage gap above
Type
Date Purchased
Term (yrs)
Insured
Owner
Beneficiary
Face Amount
Cash Value
Premium/Mo
Lump Sum
🛡️ Protection Strategy Notes
Notes on life insurance recommendations, disability coverage, and protection strategy for this client.
Build Wealth
Retirement planning, asset accumulation, and investment portfolio overview.
⚙️ Planning Assumptions
These rates drive all retirement projections. Adjust to match the client's situation or use the defaults.
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%
🏖️ Retirement Goals
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$
$
$
$
$
Client 2 Retirement
$
$
$
$
$
Years to Retirement
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Years in Retirement
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Retirement Income Needed
$0/mo
Total Nest Egg Needed
$0
💼 Current Assets & Investments
Organize assets by tax treatment — this shapes the retirement strategy. The % column is your expected annual rate of return for that asset (used in retirement projections).
Total Investment Portfolio
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🔒 Non-Liquid Holdings — Annuity suitability & IGO form
Assets that cannot be accessed without penalty. Required for annuity suitability determination.
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$
$
$
$
$
Total Non-Liquid Assets:
$0
🏡 Other Assets (Real Estate, Vehicles, Collectibles)
Cost Basis = what the client originally paid for the asset. Market Value = current worth. The difference is unrealized gain/loss (taxable when sold).
| Description | Current Market Value | Cost Basis ⓘ |
|---|---|---|
📊 Retirement Shortfall Analysis
Nest Egg Needed
$0
Current Assets (projected)
$0
Shortfall / Surplus
$0
Add income and retirement details to see projections.
📈 Wealth Building Strategy Notes
Notes on investment recommendations, asset allocation, retirement planning strategy.
✅ UPDATED BUILD — Life Insurance section below ↓
Preserve Wealth
Estate planning, legacy goals, and tax strategy.
📜 Estate Planning Checklist
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🔑 Estate Planning Priorities
✓
Have adequate life insurance✓
Create / update a Will✓
Understand probate process✓
Avoid probate through trusts✓
Minimize estate taxes✓
Transfer assets through trusts✓
Designate beneficiaries✓
Healthcare power of attorney💬 Key Discovery Questions
🏛️ Estate & Preservation Strategy Notes
Notes on estate planning recommendations and wealth preservation strategy.