​​The next step is to send the following documents to have your own individualized, comprehensive retirement program set in motion.  Email, Fax or Regular Mail all work, whatever is easiest for you.

• A recent Statement of Benefits from the Social Security Administration for each spouse.  If you do not have one, an estimate can be obtained by either calling the local Social Security office or toll free at 800-772-1213.  You can also visit the web at www.ssa.gov. 

• A recent pay stub for each spouse so we can accurately calculate current income needs.  This will help in projecting a reasonable amount of desired income during retirement.

• Last year’s tax return (state & federal).  We would need your total itemized deductions and personal exemptions.  This information is necessary to calculate the before tax income needed to produce the desired after tax income.

• Retirement and insurance benefits provided by your employer (Pension statement and employer paid life insurance benefits), if any. 

• Recent statements from any investments you may have which are specifically earmarked for retirement including brokerage statements, mutual funds, variable annuities, stocks, etc.  This is not a program to calculate net worth.  It is designed to create a picture of what retirement may look like so items such as savings accounts and cash on hand for short term plans like vacation or emergency are not included.  Home equity is also not included.

• Most recent copies of any insurance statements including life insurance, fixedannuity contracts, long term care and disability insurance.  This will give us an accurate picture of how any unexpected or unfortunate occurrences would be affected by your current situation.