IUL Funding Matrix Intake

Asset Optimization / Tax Minimization (Client Worksheet)

Why this form exists: This helps us map money you may already be saving (or money that may arrive later) into a structured funding plan. This is a planning worksheet only—final numbers are confirmed with a carrier illustration.

1) Basic Information

Name Best Contact (Email or Phone) Date of Birth Smoker? Target Retirement Age Desired Annual Income Goal (optional)

2) Funding Sources (Answer Yes/No → Fill Amount)

Each section explains why we ask. If you answer No, we’ll skip it automatically. Use estimates—accuracy improves later when we review statements together.

A) Monthly Savings Toward Retirement

Why this matters: Many clients already save monthly. We’re mapping what you’re already doing to see what an optimized funding plan could look like.

Do you currently save monthly?

Monthly amount you can consistently set aside Notes (optional)

B) Extra Mortgage Principal Payments

Why this matters: Extra principal builds equity, but equity can be hard to access. Some clients prefer repositioning part of those extra payments into a more flexible strategy.

Do you pay extra principal monthly?

Extra principal amount per month

C) College Savings (529 or similar)

Why this matters: Some college savings plans can be less flexible if plans change. We’re simply mapping what you’re contributing today.

Are you contributing monthly?

Monthly college savings amount How many years will you likely contribute? (optional)

D) Existing Premiums You Pay Today

Why this matters: Sometimes we can redirect what you already spend so the plan doesn’t feel like an added bill.

Do you pay monthly premiums now?

Total monthly premium amount (estimate) Type (optional)

E) Pension “Difference” (if applicable)

Why this matters: If you have a pension, there are often payout options. The monthly “difference” between options can sometimes be repositioned into a flexible bucket.

Do you have a pension?

Monthly difference between pension options (estimate) Start year for this difference (optional)

F) Expected Inheritance / Settlement / Buyout

Why this matters: If a future lump sum is expected, we can plan the “capacity” ahead of time rather than scrambling after it arrives.

Do you expect a future lump sum?

Estimated amount Expected year (1–12)

G) Business Working Capital (Cash sitting idle)

Why this matters: Business owners often keep cash that is rarely used. We map it to see whether part could be repositioned while keeping flexibility.

Do you have idle business cash reserves?

Estimated amount Year to reposition (optional)

H) Emergency Fund (Cash reserve)

Why this matters: We want you to keep a safety buffer. The question is whether you’re holding the right amount in the right place.

Do you keep an emergency fund?

Estimated emergency fund amount How much of this would you feel comfortable repositioning? (optional)

I) Planned Real Estate Sale Proceeds

Why this matters: If a sale is likely, we plan for the deposit timing and size in advance.

Do you expect to sell property in 1–12 years?

Estimated net proceeds Expected year (1–12)

J) Taxable Investments (Brokerage / Mutual Funds)

Why this matters: Taxable investments may be exposed to market drops and taxes. We map them to evaluate whether repositioning a portion improves stability, taxes, and flexibility.

Do you have taxable investments?

Approximate current value Notes (optional)

3) Quick Summary (Preview)

This is a quick estimate based on what you entered. Your advisor will review details and confirm final design using an illustration.

Estimated Annual Funding (Recurring)

Estimated Lump Sums (Total)

Total Estimated Funding (12 years)

Note: Some items are scheduled by year (inheritance, real estate sale, etc.). Your advisor will build the full year-by-year matrix from your answers.