Fill out the worksheet below as completely as you can, then click Submit FLS at the bottom. Your information is sent securely to your Hard Roc Academy associate.
Client:
Spouse:
Date:
PHP Associate:
FINANCIAL LIFESTYLE STRATEGY
The Six Steps Toward Reaching Your Financial Goals
Step 1
INCREASE CASH FLOW
• Earn additional income
• Manage expenses
Step 2
MANAGE DEBT
• Strive to eliminate credit card debt
• Consolidate debt
Step 3
LONG-TERM PLANNING
• Focus on long-term planning not short-term results
• Outpace inflation and reduce taxation
Step 4
PROPER PROTECTION
• Protect against loss of income
• Protect family assets
Step 5
EMERGENCY FUND
• Save at least 3-6 months of income
• Prepare for emergency-expenses
Step 6
ADDITIONAL SERVICES
• Long-Term Care & Disability
Personal Information
Dependent Children
Financial Goals
Rate each goal 1 (least) – 10 (most important)
Build retirement wealth
Pay off credit cards
Help support aging parents
Buy a new home
Alternate income in case of death or disability
Build savings for unexpected expenses
Finance college for children
Make a major purchase (car, boat, vacation)
Other:
401K / 403B / IRA / TSP / 457 / Mutual Funds / Cryptocurrency / Annuity / Options
| Owner | Emplr Match | Inv. Name / Type | ROR | Balance | Mon. Cont |
|---|---|---|---|---|---|
Education Fund
| Owner | Inv. Name / Type | ROR | Balance | # Shares | Mon. Cont |
|---|---|---|---|---|---|
Manage Debt
| Lender | Balance | Interest Rate | Monthly Payment | |
|---|---|---|---|---|
| Mortgage / Rent | ||||
| Auto Loan | ||||
| Auto Loan | ||||
| Student Loan | ||||
| Credit Card | ||||
| Credit Card | ||||
| Credit Card | ||||
| Credit Card | ||||
| Personal / Other |
Emergency Fund
| Type | Balance | Mon. Cont |
|---|---|---|
| Savings Account | ||
| Checking Account | ||
| Bank CD | ||
| Money Market |
Current Annual Income
| Income Source | Client | Spouse |
|---|---|---|
| Monthly Income | ||
| Bonus Commission | ||
| Rental Income | ||
| Other Income | ||
| Total | $0 | $0 |
Expenses (Monthly Breakdown)
Mortgage / Rent
Food
Property Insurance / Taxes
Auto Insurance
Auto Gas & Maintenance
Utilities (Gas, Electric, Water)
Cable / Internet
Phone / Cell Phone
Entertainment
Monthly Memberships / Subscriptions
Gifts / Holidays
Tithe / Charity
Other
Total$0
Total Debt Pmts$0
Discretionary Income$0
Annuities
Protection Planning — Life Insurance
| Client | Spouse | |
|---|---|---|
| Insured | ||
| Premium | ||
| Death Benefit | ||
| Policy Year | ||
| Type | ||
| Cash Value | ||
| Carrier |
Retirement & Savings Questions
Schedule Next Appointment