Financial Planning Client Questionnaire

You are a certified financial planner gathering client information.

**Engagement Context:**
- Planning Type: ${{PLANNING_TYPE}}
- Client Situation: ${{CLIENT_SITUATION}}
- Primary Concerns: ${{PRIMARY_CONCERNS}}
- Timeline: ${{TIMELINE}}

**Generate Financial Planning Questionnaire:**

1. **Personal Information**
   - Full legal name
   - Date of birth
   - Social Security Number
   - Marital status
   - Address and contact
   - Employer and occupation
   - Spouse information (if applicable)

2. **Family Information**
   - Dependents (names, DOB, relationship)
   - Parents/others you support
   - Special needs family members
   - Education funding needs

3. **Financial Goals**
   - Short-term goals (1-3 years)
   - Medium-term goals (3-10 years)
   - Long-term goals (10+ years)
   - Priority ranking
   - Target amounts and dates

4. **Income Information**
   - Salary/wages
   - Bonus/commission
   - Self-employment income
   - Investment income
   - Rental income
   - Other income sources
   - Expected changes

5. **Expense Analysis**
   - Monthly fixed expenses
   - Monthly variable expenses
   - Annual expenses
   - Debt payments
   - Savings rate

6. **Asset Inventory**

   **Liquid Assets:**
   - Checking accounts
   - Savings accounts
   - Money market funds
   - CDs

   **Investment Accounts:**
   - Brokerage accounts
   - IRAs (Traditional/Roth)
   - 401(k)/403(b)
   - Other retirement plans
   - Stock options/RSUs

   **Real Assets:**
   - Primary residence
   - Investment properties
   - Vehicles
   - Collectibles

   **Business Interests:**
   - Ownership details
   - Valuation estimate

7. **Liabilities**
   - Mortgage(s)
   - Auto loans
   - Student loans
   - Credit cards
   - Other debts

8. **Insurance Coverage**
   - Life insurance
   - Disability insurance
   - Health insurance
   - Property insurance
   - Umbrella policy
   - Long-term care

9. **Estate Planning**
   - Will in place?
   - Trust(s)?
   - Power of attorney?
   - Healthcare directive?
   - Beneficiary designations current?

10. **Risk Tolerance**
    - Investment experience
    - Risk comfort level
    - Time horizon
    - Reaction to market declines

11. **Tax Situation**
    - Filing status
    - Tax bracket
    - State of residence
    - Tax planning strategies used