My Objectives
Name
Address
Day phone
Evening phone
Email
Financial advisor
Clear Form
My Objectives
Investor Profile Questionnaire
Building Your Financial Foundation
The Investor Profile Questionnaire is designed to help you gain an in-depth
understanding of your investment objective, which serves as the foundation of
your portfolio and guides us in making investment recommendations. Your
investment objective is based on many factors, including your time horizon,
financial goals and risk tolerance. To build your portfolio, you must clearly
define your financial goals. Short-term goals may include buying a house or
financing a dream vacation. Long-term goals may include saving for your
child’s education or planning for your retirement.
Your time horizon defines when you want to achieve a goal. It could be
1-5 years, 5-10 years, 15 years, 30 years or more.
Risk is an unavoidable part of investing. Historically, investments with higher
returns have required a higher tolerance for risk. Therefore, by clearly defining
your risk tolerance, we will be better prepared to choose the most
appropriate investments for your portfolio.
Over time, your goals and financial situation may change. It’s important for
us to discuss any changes, as your original investment objective may need
to be reevaluated.
Determining Your Investment Objective
This self-scoring questionnaire will help us determine your investment
objective. Answer each question by writing the corresponding number in the
box to the right of each question. Then total the numbers for each section. Fill
in the scorecard on the last page to determine your investment objective.
Securities offered through LPL Financial, Member FINRA/ SIPC. Investment advice offered through RFG
Advisory Group, LLC, a registered investment advisor. RFG Advisory Group and Reliance Financial Group are
separate entities from LPL Financial.
Not NCUA Insured-Not Credit Union Guaranteed- May Loose Value
Clear Form
Retirement/Investment Objectives
Low - High
Your retirement goals
Directing a portion of your personal savings or investment portfolio to a tax advantaged vehicle
Having all of your portfolios consolidated and analyzed to make sure your overall plan is on track
Matching your risk tolerance to that of your investment portfolio
Reviewing your investment performance against that of an index
Reviewing your investment performance against your plan
Minimizing the taxes on your investment accounts
Reviewing techniques to save income tax and estate taxes on deferred money
Asset protection in the result of serious illness
Protecting assets in the event that you require Long Term Care in the future
Receiving adequate income in the event of disability during your working years
Planning for income for your spouse in the event of your premature death
Generating a guaranteed retirement income stream
Planning income for your children in the event of your premature death
Estate Objectives
Low - High
Reviewing your current will structure to eliminate unnecessary taxes
Distributing assets equally to your children
Protecting your assets transferred to your children from creditors, divorce, and bankruptcy
Charitable planning to your estate's planning
Contributing annually to charity
Client Defined Objectives
Low - High
Clear Form
Business Objectives
Low - High
Maintaining control of your business throughout your lifetime
Eliminating the need to liquidate your business to pay estate taxes
Passing your business in a manner where it is sold to key employees
Creating a business planning concept to help you sell your business to key employees in an efficient manner
Providing incentives to your key employees with non-stock compensation alternatives
Having your key employees own stock in your company
Protecting your business from the death of a key employee
Protecting your key employees and their families from serious illness and disability
Protecting your company from serious illness and disability of your employees
Key employees to the continued success of your company
Passing your business in a manner that maintains family ownership and control
Maintaining family harmony after your estate has been settled
Having your spouse take an active/ownership role in the business plan after you pass
Creating a business planning concept that shows you how to gift/sell/bequest your business to your children/heirs
Equalizing the inheritance for your children not active in the business
Leaving the business only to active children/heirs versus all children/heirs
Having your children/heirs active in the business with regards to the future success of your business
Passing your business in a manner where it is sold to a third party
Reviewing your business' property and casualty coverages every two years
Reviewing alternative sources for your existing line of credit
Reviewing the efficiency of your existing long term debt structure
Buying out a partner's interest in the event of his or her death
Clear Form
Expense Worksheet
Client's Name:
Monthly
HOUSING
Mortgage
Condo Fees/
Association Fees
Electricity/ Gas
Water
Garbage Removal
Telephone/ PC
Cable/ Sattelite TV/
Internet
Security System
Pool Service
Lawn Service
Maid Service
Maintenance/
Improvements
Property Taxes
Pest/ Bug Service
Homeowner's Insurance/
Other
Total
or
Annual
Total
FURNISHINGS
Inside/ Outside
Monthly
0
Sports Tickets
Theater Tickets
Recreation/ Hobbies
Movies/ Videos
Club Membership Fees
Other
PERSONAL CARE AND CASH
Dry Clenaing
00
00
00
00
TRANSPORTATION
Loan/ Lease Payment #1
Loan/ Lease Payment #2
Loan/ Lease Payment #3
Total
VACATIONS AND HOLIDAY
Travel Tickets
Hair/ Nails/ Facials
Cosmetics/ Shoe Shine
Massage
Hotels
Food
Entertainment
Health Club
Other
Auto
Other
Total
Total
MEDICAL/ DENTAL/ VISION
Co-Pay(s)/ Deductibles
Prescriptions/
Health Care Costs
Vitamins
Other
Total
CHARITABLE CONTRIBUTIONS
Favorite Charity
EDUCATION SELF IMPROVEMENT
Private School/ College
Classes/ Books/ Paper
Association Fees/
Subscriptions
Cash Donations
Other
Total
GIFTS
Holidays
Birthdays
Weddings
Other
Hobbies/ Other
Total
Total
INSTALLMENT DEBT PAYMENTS
Student Loans
Credit Cards
Other
Total
00
GROCERIES
Food/ Beverages
Household supplies
Other
Other
Total
Annual
Total
Sports Activities
Other
Gasoline
Maintenance/
Improvements
Registration/ Inspection/
Excise Tax
Other
Total
or
ENTERTAINMENT
Dining Out
Client #2
Children
CHILD CARE
Support Payments
Daycare/ Education
Total
Monthly
CLOTHING
Client #1
Date:
00
00
PROFESSIONAL SERVICES
Financial Planner
Accountant
Other
Total
PETS
Food
Veterinarian
Pet Insurance/ Other
Total
MISCELLANEOUS
Support/ Alimony
Other
Other
Total
or
Annual
My Investor Profile Questionaire
Name
Address
Day phone
Evening phone
Email
Financial advisor
My Investor Profile Questionaire
Investor Profile Questionnaire
Building Your Financial Foundation
The Investor Profile Questionnaire is designed to help you gain an in-depth
understanding of your investment objective, which serves as the foundation of
your portfolio and guides us in making investment recommendations. Your
investment objective is based on many factors, including your time horizon,
financial goals and risk tolerance. To build your portfolio, you must clearly
define your financial goals. Short-term goals may include buying a house or
financing a dream vacation. Long-term goals may include saving for your
child’s education or planning for your retirement.
Your time horizon defines when you want to achieve a goal. It could be
1-5 years, 5-10 years, 15 years, 30 years or more.
Risk is an unavoidable part of investing. Historically, investments with higher
returns have required a higher tolerance for risk. Therefore, by clearly defining
your risk tolerance, we will be better prepared to choose the most
appropriate investments for your portfolio.
Over time, your goals and financial situation may change. It’s important for
us to discuss any changes, as your original investment objective may need
to be reevaluated.
Determining Your Investment Objective
This self-scoring questionnaire will help us determine your investment
objective. Answer each question by writing the corresponding number in the
box to the right of each question. Then total the numbers for each section. Fill
in the scorecard on the last page to determine your investment objective.
Time Horizon
Your
score
QUESTION 1
What is your age?
56 and over
46-55
36-45
20-35
Off
QUESTION 2
What is your primary financial goal?
Wealth preservation
Retirement planning
Wealth accumulation
Off
QUESTION 3
What is the time frame for you to achieve your financial goals?
0-5 years
5-10 years
10 years or longer
Off
Time Horizon Total
0
Financial Goals
QUESTION 4
Your
score
Which of the following best describes your financial goals?
Preserving principal and earning a moderate amount of current income
Generating a high amount of current income
Generating some current income and growing assets over an extended time frame
Growing assets substantially over an extended time frame
Off
QUESTION 5
How do you expect your standard of living five years from now to compare to your standard of living today?
Less than it is today
The same as it is today
Somewhat higher than it is today
Substantially greater than it is today
Off
QUESTION 6
Five years from today, you expect your portfolio value to be:
Portfolio value is not my primary concern; I am more concerned with current income
The same as or slightly more than it is today
Greater than it is today
Substantially greater than it is today
Off
QUESTION 7
Generating current income from your portfolio is:
A primary concern (only if you are about to retire)
Not important
Off
QUESTION 8
With the income generated from your portfolio, you plan to:
Use it for living expenses
Use some and reinvest some
Reinvest all income
Off
Financial Goals Total
0
Risk Tolerance
Yh^d/KEϵ
Your
score
You have just received a large amount of money. How would you invest it?
I would invest in something that offered moderate current income and was very conservative.
I would invest in something that offered high current income with a moderate amount of risk.
I would invest in something that offered high total return (current income plus capital appreciation) with a moderately
high amount of risk.
I would invest in something that offered substantial capital appreciation even though it has a high amount of risk.
Off
QUESTION 10
Which of the following statements would best describe your reaction if the value of your portfolio were to
suddenly decline by 15%?
I would be very concerned because I cannot accept fluctuations in the value of my portfolio.
If the amount of income I receive was unaffected, it would not bother me.
Although I invest for long-term growth, I would be concerned about even a temporary decline.
Because I invest for long-term growth, I would accept temporary fluctuations due to market influences.
Off
QUESTION 11
Which of the following investments would you feel most comfortable owning?
Certificates of deposit
U.S. Government securities
Blue-chip stocks
Stocks of new growth companies
Off
QUESTION 12
Which of the following investments would you least like to own?
Stocks of new growth companies
Blue-chip stocks
U.S. Government securities
Certificates of deposit
Off
QUESTION 13
Which of the following investments do you feel are the most ideal for your portfolio?
Certificates of deposit
U.S. Government securities
Blue-chip stocks
Stocks of new growth companies
Off
Very pessimistic
Unsure
Somewhat optimistic
Very optimistic
Off
Unsure
I believe the U.S. economy and foreign markets are interdependent .
I believe overseas markets provide attractive investment opportunities.
Off
QUESTION 14
How optimistic are you about the long-term prospects for the economy?
QUESTION 15
Which of the following best describes your attitude about investments outside the U.S.?
Risk Tolerance Total
0
Investor Scorecard
Time Horizon Total..................................................................................
0
x1=
0
Financial Goals Total...............................................................................
0
x2=
0
Risk Tolerance Total................................................................................
0
x3=
0
The total for each section is multiplied by a number that represents the overall
importance of that section when determining your investment objectives.
0
TOTAL SCORE
Match your total score with one of the investment objectives listed below. If your score is near the top or bottom of
an Adjusted Total Range, you may want to examine the next or previous objective to determine which ­represents your
needs more accurately.
Adjusted Total Range
Investment Objective
34-57
Income with Capital Preservation
58-83
Income with Moderate Growth
84-99
Growth with Income
100-114
Growth
115-125
Aggressive Growth
The investment objectives shown are for illustrative purposes only. Your investment objective is based on many factors
including your financial situation, tolerance for risk, time horizon and other financial needs. Consult your financial advisor
if you have any questions.
Income with Capital
Preservation
Income with
Moderate Growth
Growth with Income
Growth
Aggressive Growth
Increasing Risk, Volatility and Return expectations
Need for capital
preservation and
current income
„„
No focus on
growth
„„
Lowest tolerance
for risk
„„
Shortest
investment horizon
„„
Need for current
income
„„
Equal focus on
growth and ­current
income
„„
Moderate focus
on growth
„„
Low toler­ance
for risk
„„
„„
„„
Short/intermediate
­investment ­horizon
„„
Little need for
current income
„„
No need for
current income
„„
Focus on growth
„„
High tolerance
for risk
„„
Intermediate/long
invest­­ment horizon
„„
„„
Moderate
tolerance for risk
„„
Intermediate
investment ­horizon
„„
Focus on
aggressive growth
Highest tolerance
for risk
Long investment
horizon
The LPL Financial family of affiliated companies includes lPl Financial, uvESt Financial Services group, inc., iFMg Securities, inc., Mutual Service
corporation, Waterstone Financial group, inc., and associated Securities corp., each of which is a member of Finra/SiPc.
not FDic or ncua insured | no Bank/credit union guarantee | May lose value | not guaranteed by any government agency | not a Bank/credit union
Deposit
Member Finra/SiPc a registered investment advisor
acS-02889-0508
tracking # 415997 (Exp. 5/10)