1911 11th Street, Suite 207, Boulder, CO 80302 Phone (303) 443-6644 Fax (303) 443-7755 Email info@kydecap.com

ELEMENTS OF A COMPREHENSIVE FINANCIAL PLAN

1. Personal data – all of your relevant personal and family data for easy reference, including:
    a. name, address, contact information, birth date, social security number etc.
    b. same for spouse and children
    c. employment information
    d. contact information for your other advisors

2. Current situation – a synopsis of your current situation including:
    a. financial statements including balance sheet, income statement and a statement of cash flows
    b. list of continuing and future known obligations
    c. income tax statement
    d. risk assessment & analysis - life, disability, health (not property and casualty)
    e. investments – current holdings, value place of custody
    f. estate planning – summary of current planning

3. Client goals and objectives
    a. life philosophy – how you want to live your life
    b. income/net worth – quantifying these at milestones in your life
    c. specific acquisitions/achievements
    d. specific gifts/grants
    e. retirement – quantifying the needs to provide the quality of life you expect

4. Identification of issues/areas of concern – these are often vague and difficult to discern immediately; general areas include:
    a. earnings exposure
    b. savings shortfall
    c. risk exposure
    d. health risks

5. Assumptions
    a. those used in extrapolation and on which future values are based

6. Capital needs analysis – a summary of the capital needed to attain the goals outlined in #3.
    a. gross shortfall/excess
    b. annual shortfall/excess

7. Recommendations – these cover the gambit, hitting all issues identified in #4, including:
    a. revising budgets and savings plans
     b. revising estate plans
    c. revising insurance portfolios
    d. redesigning portfolios
    e. implementing new investment strategies

8. Implementation plan – the action plan; listing specific steps to be taken to implement the changes recommended

Investment advisory services provided by Kyde Capital Strategies LLC, a Registered Investment Advisor. Securities offered through Cambridge Investment Research, Inc.,
a Registered Broker/Dealer, member FINRA/SIPC. Kyde Capital Strategies LLC and Cambridge Investment Research, Inc. are not affiliated.