LifeView® Financial Goal Analysis and Financial Plan

Client Profile

Let's Work Together

We are very pleased you have decided to work with us to create a comprehensive financial strategy. Our relationship begins with a thorough understanding of you — your needs, your lifestyle and family, and your goals for the future. Leveraging our vast resources, including intellectual capital, experience and dedicated service, we can work with you to create a personalized wealth strategy. Over time, we will adapt it to changing circumstances, helping you to achieve your goals and protect what is meaningful to you.

This questionnaire will help us create a personalized strategy for you and can enhance our conversation around your long-term goals.

STEP1: GETTING STARTED

Personal Information
Family and Other Dependents

STEP2: DEFINING GOALS

Retirerment
Health Care
Retirerment Living Expenses
College/Education
Other Financial Goals

STEP3: ASSESSING RISK TOLERANCE

This Questionnaire will guide our analysis by helping us to define and understand your tolerance to risk

STEP4: IDENTIFYING RESOURCES

Retirement Income
Investment Assets
Primary Residence
Non-Investment Assets Available to Fund Goals
Non-Investment Assets Not Available to Fund Goals

Step 1: Getting Started

PERSONAL INFORMATION

Please provide the following information for you and any co-client who will be part of this analysis.

CLIENT1	CO-CLIENT
Name	Name
Date of Birth	Date of Birth
Marital Status: Single Widow Married Filing Separately Domestic Partners Married Filing Jointly	Marital Status: Single Widow Married Filing Separately Domestic Partners Married Filing Jointly
Employment Status: Retired Homemaker Employed Not Currently Employed Business Owner	Employment Status: Retired Homemaker Employed Not Currently Employed Business Owner
Employment Income $	Employment Income $
Other Income	Other Income
State of Residence	State of Residence

FAMILY AND OTHER DEPENDENTS

Please list any children, grandchildren, other relatives or loved ones who depend on you financially as well as trusts or organizations that you fund.

NAME	RELATIONSHIP	DATE OF BIRTH

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Step 2: Defining Goals - Part 1

RETIREMENT

If you are currently retired, please skip this section and proceed to the “Retirement Living Expenses” section.

	CLIENT	CO-CLIENT
Target Retirement Age
What is your estimated life expectancy?	Age Help me estimate	Age Help me estimate
How willing are you to retire later (if necessary) to attain your goals?	Very willing Somewhat willing Slightly willing	Very willing Somewhat willing Slightly willing
What state do you plan on residing in during retirement?

RETIREMENT LIVING EXPENSES

List your anticipated annual recurring expenses during retirement and rank their importance. Include essential expenses (e.g., monthly mortgage payment) and some of the nonessentials that feel most important to your desired lifestyle (e.g., general entertainment).

DESCRIPTION	ANNUAL AMOUNT	IMPORTANCE HIGH — LOW (10→1)
Basic Living Expenses [Sample]	$55,000	10

HEALTHCARE

Please provide details on healthcare coverage in retirement.


What is your estimated annual healthcare cost?	$ per year Help me estimate

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Step 2: Defining Goals - Part 2

COLLEGE/EDUCATION

Please provide details on healthcare coverage in retirement.

If applicable, enter multiple education goals (e.g., private school, undergraduate, graduate) as separate goals for each person.

STUDENT 1	AMOUNT
Name	My Estimated Annual Expense:
Start Year Number of Years of College	Based on Average Cost: Types of college: Public Private Location: In-state Out-of-State
IMPORTANCE HIGH — LOW (10→1)	Based on a Specific College (Name)

STUDENT 1

AMOUNT

Name

My Estimated Annual Expense:

Start Year

Number of Years of College

Based on Average Cost:

Types of college:

Public Private

Location:

In-state Out-of-State

IMPORTANCE HIGH — LOW (10→1)

Based on a Specific College (Name)

STUDENT 2	AMOUNT
Name	My Estimated Annual Expense:
Start Year Number of Years of College	Based on Average Cost: Types of college: Public Private Location: In-state Out-of-State
IMPORTANCE HIGH — LOW (10→1)	Based on a Specific College (Name)

STUDENT 2

AMOUNT

Name

My Estimated Annual Expense:

Start Year

Number of Years of College

Based on Average Cost:

Types of college:

Public Private

Location:

In-state Out-of-State

IMPORTANCE HIGH — LOW (10→1)

Based on a Specific College (Name)

OTHER FINANCIAL GOALS

In addition to major goals such as retirement, education and healthcare, you may have other goals that you want to capture. Use this section to list these other needs, wants and wishes.

Include goals that:

Are one-time, extraordinary expenses
Reoccur, but not annually
Are expenses that will end before the analysis/plan does

Do not include goals that:

Are already accounted for in the “Retirement Living Expenses” section
Occur prior to retirement and are covered by earned income

DESCRIPTION	TIMING	TARGET AMOUNT	IMPORTANCE HIGH — LOW (10→1)
Travel [Sample]	Beginning at retirement; every 5 years	$20,000	7

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Step 3: LifeView® Risk Tolerance Questionnaire

THIS QUESTIONNAIRE WILL GUIDE OUR ANALYSIS BY HELPING US TO DEFINE AND UNDERSTAND YOUR TOLERANCE TO RISK.

Questions 1–4.

Please rank the following Investment Objectives from Most Important (1) to Least Important (4).

Income

Aggressive Income

Capital Appreciation

Speculation

Question 5.

Please choose the risk tolerance below that best describes your attitude towards investing.

Conservative

Moderate

Aggressive

Question 6.

Please choose the Primary Financial Need for the assets included in this analysis.

Wealth Accumulation	Retirement	Major Purchase	Education Planning
Current Income	Health Care/Long Term Care	Estate/Legacy Planning	Charitable

Question 7.

In approximately how many years do you expect to begin withdrawing funds for your Primary Financial Need?

Immediately

Less than 2 Years

2–5 Years

6–10 Years

11-20 Years

More than 20 Years

Question 8.

Once you begin to withdraw funds for your Primary Financial Need, over how long of a period do you anticipate the withdrawals to continue?

Immediately

Less than 2 Years

2–5 Years

6–10 Years

11-20 Years

More than 20 Years

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Step 4: Identifying Resources - Part 1

RETIREMENT INCOME

Please provide details on the sources of income you expect to receive in retirement.

Social Security Benefits

	CLIENT	CO-CLIENT
Are you eligible?	Yes No	Yes No
What is your annual benefit amount?	$ per year Help me estimate	$ per year Help me estimate
If currently employed, when will benefits begin?	At retirement At full eligibility At age	At retirement At full eligibility At age

Pension and/or Annuity Income

DESCRIPTION	OWNERSHIP	ANNUAL AMOUNT	YEAR IT BEGINS	YEAR IT ENDS	% SURVIVOR BENEFIT	WILL THIS BENEFIT INCREASE WITH INFLATION
						Yes No
						Yes No
						Yes No

Other Income (e.g., trust income, part-time work, rental property income)

Do not include interest or dividend income from your future investment.

DESCRIPTION	ANNUAL AMOUNT	YEAR IT BEGINS	YEAR IT ENDS	% SURVIVOR BENEFIT	WILL THIS BENEFIT INCREASE WITH INFLATION
					Yes No
					Yes No
					Yes No

INVESTMENT ASSETS

Please list any investment accounts, employer sponsored retirement accounts such as a 401(k), 403(b), profit sharing, 457, SEP, SARSEP and/or IRA accounts held away from Morgan Stanley below.

DESCRIPTION	OWNER	ACCOUNT TYPE	VALUE	ANNUAL SAVINGS/CONTRIBUTIONS	EMPLOYER MATCH
XYZ Brokerage Account [Sample]	Joint	Taxable	$564,000	$10,000	N/A
XYZ Company 401k Plan [Sample]	John	401k	$775,000	Max	100% of 3%

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Step 4: Identifying Resources - Part 2

Option Savings

If your current assets and income sources fall short of your goals, let’s explore some ways you could make up the difference.


Could you save more to fund your goals?	Yes $ per year No
Please rank (1–3) potential ways to generate additional savings with 1 being most likely.	Work longer Save more Spend less

Other Assets

Please provide information for other non-investment assets.

PRIMARY RESIDENCE
What is the current value?	$
Do you intend to sell your primary residence to help fund goals?	Yes year cash anticipated ($ after taxes) No

NON-INVESTMENT ASSETS AVAILABLE TO FUND GOALS

For example, do you plan to sell a piece of real estate or any collectibles? Are you expecting to receive an inheritance?

DESCRIPTION	CURRENT VALUE	ORIGINAL PURCHASE PRICE	LIKELIHOOD TO SELL
			Very Somewhat Not
			Very Somewhat Not
			Very Somewhat Not

NON-INVESTMENT ASSETS NOT AVAILABLE TO FUND GOALS

For example, there may be a family home that you would never sell, or cherished jewelry or artwork that you want to keep in the family, no matter its worth.

DESCRIPTION	CURRENT VALUE
	$
	$
	$

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Step 4: Identifying Resources - Part 3

Liabilities

Please list any outstanding liabilities you may have (e.g., home mortgages, credit card debt, car loans, student loans, personal loans, etc.).

LOAN TYPE/DESCRIPTION	INSTITUTION HELD	INITIAL AMOUNT	START DATE	BALANCE	INTEREST RATE %	TERM	MONTHLY PAYMENT
Mortgage [Sample]	ABC Bank	$2M	2005	750k	3%	30 Year	$4,750

Other Considerations

Your Financial Advisor can work with you to address other concerns you may have related to the following areas. Please indicate which items you wish to discuss in more detail.

EQUITY COMPENSATION	INSURANCE ANALYSIS	ESTATE PLANNING
Stock Options Restricted Stock Deferred Compensation	Life Insurance Needs Disability Needs Long Term Care Analysis	Estate Documents General Concerns

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Contact Information

Please provide your email address that your Financial Advisor can contact you with.

Email Address:

How did you find us?

Search Engine Personal Website Friends Refer Social Media Other (please specify):

Disclosure Statement

Your LifeView® financial goal analysis or financial plan will be prepared by your Financial Advisor or Private Wealth Advisor. This review will be based on the information and financial documents that you provide. Please bear in mind that our calculations and recommendations will be based on this information as well as certain estimates, variables and assumptions that are believed to reflect sound economic theory but are purely forecasts and cannot be guaranteed.

Morgan Stanley and its affiliates may provide different information regarding asset allocation in connection with services and programs that they offer, including a different version of this service that may be available to certain clients. Such information may be based on different methodologies, estimates, variables and assumptions than those used in connection with the LifeView financial goal analysis or financial plan, and may result in different proposed asset allocations than are given by the output. Your LifeView financial goal analysis or financial plan is provided to you on the condition that we are not acting as a fiduciary for purposes of the Employee Retirement Income Security Act of 1974 (“ERISA”) as a result.

If you have any questions regarding this Risk Tolerance Questionnaire or the terms of this Disclosure Statement, please do not hesitate to ask your Financial Advisor or Private Wealth Advisor.

Morgan Stanley and its Financial Advisors or Private Wealth Advisors do not provide tax or legal advice. Individuals should consult their personal tax adviser or attorney for matters involving taxation and tax planning and their attorney for matters involving personal trusts and estate planning. Powered by MoneyGuidePro and MoneyGuidePro are trademarks of PIETech, Inc.

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Yes, I am fully aware of the Disclosure Statement.