What Keeps Your Client Up At Night

What Keeps You Up At Night Tool

The Heritage Planning Tool is an interactive questionnaire to customize the planning conversation with your clients.

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Create a personalized resource guide for clients
USE THE HERITAGE PLANNING TOOL TO:
  • Uncover and prioritize your clients’ most pressing financial concerns
  • Get the results that spark meaningful planning conversations
  • Offer materials that address their specific need

 

HERITAGE PLANNING CHECKLIST   |   HERITAGE PLANNING INFOSHEETS

 

Browse a category and select the questions of concern to your client. Related infosheets will go into a personalized resource guide for your client.

 

Start Your Selections Below
BROWSE CATEGORIES
SELECT the questions of concern to your CLIENT
Retirement
    • Careful planning in the months leading up to retirement can ensure a smooth transition from employee to retiree.

    • You may have already, or will soon, receive an annual SSA benefits statement that outlines your personal retirement and disability benefits two key components of a comprehensive financial plan.

    • Long-term care insurance is one way to plan for long-term care costs.

    • When saving for retirement, it is a good idea to become familiar with all of the investment vehicles available to you.

    • What to do with retirement plan assets when participants change jobs or retire.

    • The decisions made about the proceeds from a 401(k) plan can have tremendous bearing on financial security.

    • Things to keep in mind when planning for retirement.

    • Participants with accumulated assets in their employer-sponsored retirement plan account have decisions to make when retiring or changing jobs.

    • Careful planning in the months leading up to retirement can ensure a smooth transition from employee to retiree.

    • Time is an investor's greatest asset, and investing is a habit that is best started as soon as possible.

    • In general, required minimum distributions (RMDs) must begin by April 1 of the year following the year you reached age 70 and a half.

    • The decisions made about the proceeds from a 401(k) plan can have tremendous bearing on financial security.

Education Planning
    • Make sure that your clients' finances are in order when it's time for them to apply for aid.

Life Events
    • Use this worksheet to gather all of your important information in one place.

    • Statistics tell us that the leading cause of household stress is most people don't have a system for managing their finances.

    • Money matters can be a sticking point for many couples. Consider this to?do list as you work with your financial advisor to merge finances and prepare for a future together.

    • A job change creates a perfect opportunity to re-evaluate long-term financial planning.

    • Decisions that you make in the wake of a job layoff can have a long-term financial impact.

    • With an event as emotionally charged as divorce, you'll want to make the financial and legal processes as easy and as quick as possible.

    • Steps graduates can take to increase the chances of finding meaningful employment.

    • Intended to help survivors handle the issues arising when a loved one dies, both at the time of death and afterward, as efficiently as possible.

Eldercare
    • Explore what Medicare is, who is eligible, how to enroll, what it covers, and what the options are.

    • Assisted-care living facilities are designed to be a middle ground between living at home and staying at a nursing home.

    • Choosing a nursing home for a family member can be one of the most difficult decisions you make.

    • Learn about this disease and what to do if someone you love may suffer from it.

    • The most important thing to know about caregiving is that it doesn't need to be done alone. Getting support is first priority.

    • Includes information on working with your family, community resources, caregivers, housing options, financial matters, and health care costs.

Estate Planning
    • Work with your clients to develop an estate-planning strategy that works best for them and their heirs.

    • Estate planning involves many complex concepts that are regulated by,_LINE_TERMINATEDvarying state laws as well as federal law.

    • The Internal Revenue Code allows an owner of an IRA to extend the potential life of the tax-deferred account beyond his or her lifetime.

    • One of the most common tools in estate planning is the use of a trust.

    • A comprehensive estate plan that includes gifting will help your clients ensure that their wealth is transferred according to their wishes.

    • This checklist is a guide to ensure your clients' survivors are able to carry out the client's wishes.

Financial Basics
    • Use this worksheet to gather all of your important information in one place.

    • Death and taxes may be the most obvious reasons for keeping financial records.

    • Statistics tell us that the leading cause of household stress is most people don't have a system for managing their finances.

    • Debt: It is something that no one wants but just about everyone has. And while acquiring debt is easy, shedding it is typically much more difficult.

    • Children learn by doing. Give them as many opportunites as possible to save money, spend money, and earn money.

    • Tips to help recent graduates pay down their debt and attain solid financial footing as they enter the working world.

    • Statistics tell us that the leading cause of household stress is most people don't have a system for managing their finances.

    • Death and taxes may be the most obvious reasons for keeping financial records.

    • Use this worksheet to create a map of your family, looking up, down and perhaps sideways in your family to identify those who are most important or dependent on you.

    • Communication brings trust and understanding that can help legacies endure for generations. Here are some tips for shaping your family wealth conversation.

Review selected infosheets below. Uncheck any infosheet(s) you do not wish to include in your client guide.

Customize your client guide with your information.

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