The StringAdviser™ Process –
Stage 1:  Profile – Situational Summary

The Situational Summary asks participants to provide detailed information on themselves (and spouses if applicable) regarding sources and levels of current income, expectations as to amounts, sources, and duration of future income, current and projected pre-retirement expenses, current retirement benefits and insurance coverage.  Data collected includes:

Pre-retirement income information

  • Salary and expected future increases
  • Bonus/commissions amounts and frequency
  • Stock options/grants
  • Deferred compensation
  • Other sources of income
  • Target retirement age from current job
  • 2nd career plans

Retirement income and benefits information

  • Age expected to collect social security and expected monthly benefits
  • Pension amounts including age received, duration, spousal benefits
  • Employer-sponsored healthcare benefits
  • Long-term care insurance policies

Current and expected expenses

  • Mortgages
  • Auto loans/leases
  • Credit cards
  • Student loans
  • College savings
  • Elder care
  • Other debts/expenses

» Stage 1: Portfolio Inventory and pre-Retirement Investment Plan



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