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Understanding Where You Are Today

Where am I today?

The first step in building a plan to reach a financial goal is understanding where you are today. Answer these questions to gauge how well you know your current financial situation.

True or false?

Question Think About
1. I know how much I/we spend each month. Think about your mortgage, utilities, food, clothing, education, insurance and entertainment.
2. I know the location and amounts of all my/our investments. Think about cash, CDs, stocks, bonds, mutual funds and real estate.
3. I/We have saved six months’ worth of living expenses.  Think about the gross amount spent for essentials and miscellaneous on a six-month basis.
4. I know the rate of return each year for each of my/our investments.  Include the rate of return for CDs, stocks, bonds, mutual funds, real estate and other investments.
5. I know how much I am/we are saving for retirement.  Note if this is a regular monthly amount and/or if you use systematic investing.
6. I know the value and location of all my/our retirement accounts.  Think about employer-sponsored plans, IRAs and annuities.
7. I know how much I am/we are estimated to get from Social Security. You can find your statement and also estimate your benefits, online at:
8. I know how much insurance coverage I/we have.  Think about life, disability and long-term care coverage.

How did you do?

The more statements you marked true, the better you know your current financial situation.

Mostly false? We can help

For any statements you marked false, make a commitment to learning the answers. Armed with this information, you can work with your financial advisor to build a better strategy for getting where you want to go.

Find a Financial Advisor

Find a Financial Advisor

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