Your first financial planning meeting is a chance to talk about what matters to you and get a clearer picture of your options. You do not need to have every document organized or every decision made before you come in. Start with your questions and bring what you have.
Begin with your goals
Think about what you want your plan to help you do. You might be preparing for retirement, deciding when to claim Social Security, reviewing how your savings could provide income, or making sure your plan reflects changes in your family or work. If a spouse or partner shares those goals, consider having them join the conversation.
It can help to write down questions ahead of time, especially decisions that feel complicated or concerns you want to make sure you discuss.
Bring a financial snapshot
If available, bring recent statements or notes about:
• Retirement accounts, workplace plans, and other investments
• Bank and savings accounts
• Income sources, such as employment, a pension, or Social Security
• Regular expenses, debts, and mortgage payments
• Insurance coverage and beneficiary information, if those are part of your questions
FMS provides an intake form to help you organize these details before your meeting. It prompts you to gather basic personal and beneficiary information, monthly income and expenses, and details about checking, savings, CDs, and retirement accounts. Ask your FMS financial professional for a copy if you would like to complete it ahead of time.
An older account statement can still help start the conversation. If you do not have every item, bring what is easy to access; your advisor can help identify what additional information may be useful.
What happens next?
At FMS, the planning conversation starts with your goals and a snapshot of your financial picture. Your advisor can help you identify questions, discuss possible next steps, and explain the trade-offs involved. The right approach depends on your circumstances and priorities.
The ABCs of Money is one framework FMS uses to discuss the different roles money may play in a plan, including access, protection, and growth potential. It is part of a broader financial planning process shaped around your goals.
You do not need to make decisions at the first meeting. The purpose is to begin a thoughtful conversation and understand what information or choices may deserve a closer look. When you are ready, contact FMS to request a meeting.
Information Only
The information provided in this document is intended for informational purposes only and is not a solicitation to purchase or sell any security.
Securities offered through Packerland Brokerage Services, Inc., an unaffiliated entity Member FINRA & SIPC