YOUR 2013 FINANCIAL REVIEW CHECKLIST

Take 5 Minutes & Review the Following 8 Key Items.

The New Year is an ideal time to examine your financial health and update your financial plans. Here is a list of important things to review that might make a difference in 2013. Check all that apply. If you have any questions or concerns, Id be happy to go over these items with you and discuss possible scenarios for 2013.

Haydee Caldero Principal 312.651.6132 hc@mydignitas.com www.mydignitas.com

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Check the box to any key item that impacts your situation or needs more research or discussion

2 RETIREMENT
Determine your 2013 401(k) contribution, up to a maximum of $17,500 can be contributed. Review the performance of your 401(k) in 2012 and make allocation adjustments. Analyze Roth IRA conversion scenarios. Rollover any dormant 401(k)s into a rollover IRA. Review your overall retirement income strategy.

5 HEALTH
Review any changes to your 2013 health care plan. Plan your 2013 health care budget and consider scheduling certain medical treatments. Spend any remaining balance in your 2012 Flexible Spending Accounts by March 15, 2013.

Call to schedule a review: 312-651-6132

6 ORGANIZATION 1 TAXES
Forecast your expected 2013 income and consider deferring income if over $400,000 for individuals and $450,000 for joint filers. Prepare for new tax rates that become effective in 2013 on both income and capital gains. Collect cost-basis information on sold securities in 2012. Review realized and unrealized gains and losses in 2012. Check loss carry-forwards from 2012. Review potential tax deductions and credits available in 2013.

3 INVESTMENTS
Confirm investment goals and strategy. Review macro asset allocations. Review fundamentals of portfolio positions. Revisit income and savings needs.

Establish a consolidated online portal for all your financial accounts including checking, savings, retirement, loans and credit cards. Review your credit report for accuracy and fraudulent activity. Catalog your major assets including real estate, jewelry, art work and collectibles. Identify a safe location for important documents such as passports, estate planning documents and other valuables. Review your spending habits and plan for any major purchases in 2013.

4 INSURANCE
Review life insurance policies. Review cost of current insurance policies. Review health insurance coverage. Identify material changes in life, business or financial circumstances that may require insurance adjustments.

7 CHANGES
Do you plan on selling a major asset like your home, business, or other real estate? Do you plan on transferring any major financial assets? Do you plan on refinancing your house? Do you plan on changing jobs? Do you plan on getting married? Do you plan on adding to the family through birth or adoption? Do you have a parent or other family member in need of assisted living? Is there a severe illness in the family? Do you plan on receiving a gift or inheritance?

NOTES AND NEXT STEPS:

Call Dignitas Today To Schedule A Review

After reviewing the 8-key Items, you might have some additional questions. Id be happy to go over these items with you and discuss in more detail.

8 FAMILY
Budget contributions to your childrens education accounts. Review your Will and Powers of Attorney. Plan any cash gifts to family members. Plan charitable contributions. Have a discussion about family finances.

Call to schedule a review: 312-651-6132

111 E WACKER DRIVE, SUITE 2606, CHICAGO, IL 60601 www.mydignitas.com 312-651-6130

Copyright 2013 Dignitas LLC. All Rights Reserved . Dignitas is an Investment Advisor Registered with the State of Illinois.

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