Investor Profile Worksheet

The Investor Profile Worksheet can help us evaluate your current investment objectives.  Simply answer each of the 10 questions that follow.  We will match your totals to one of the five Disciplined Investment Strategies portfolios offered.

It is important to consider this investment in relationship to your total Portfolio.  The percent of your portfolio that this investment represents can make a difference in how conservative or aggressive you may want to be.

Question 1
1.  Approximately what percentage of your current investment portfolio are you considering relocating?

(Do not include your principal residence or vacation home when figuring this total.)

Question 2
our expectation for future personal income will help determine how your assets should be allocated.  If you're expecting significant income increases it may be appropriate to be somewhat more aggressive.

2.  Which ONE of the following describes your expected future personal income over the next five years? 

(Assume inflation will average 4%.)

Question 3
If a large portion of your income goes toward paying debt, you may need to have cash available in case of unforeseen circumstances. 

3.  Approximately what portion of your monthly take-home income goes toward paying off installment debt (auto loans, credit cards, etc.) other than a home mortgage? 

Question 4
You may have responsibility for ongoing family obligations and this can dictate a more conservative approach.

4.  How many dependants do you have?

  (Include children you continue to support, elderly parents, etc.)

Question 5 & 6
An Emergency fund helps protect you against unexpected events.  Under unforeseen circumstances such as loss of income, many people need to draw on what was intended to be "long-term" money for short-term needs.  Unless you have separate savings for major expenses, you may have to use money from this investment.  If you don't have an emergency fund, a conservative investment my be more appropriate.

5.  Do you have an emergency fund (savings from three to six months after-tax income)? 

6.  If you expect to have other major expenses (such as college tuition, home down payment, home repairs, etc.), do you have a separate savings plan for these expenses? 

Question 7
Prior investment experience can help determine your attitude toward investment risk.  If you've had experience with different investments and you are comfortable with the associated risks, we can better assess your risk tolerance.

7.  Have you ever invested in individual bonds or bond mutual funds and/or stocks or stock mutual funds? 

Question 8
Your comfort level with investment risk is important to how aggressively or conservatively you choose to invest. The comfort level you choose should be balanced with your desire to achieve your investment goals.

8.  Which ONE of the following statements describes your feelings towards choosing an investment? 

Question 9 & 10
Determining the time frame for your investment is critical in making an investment decision.  Over time, certain investment types outperform others.  Historically, stocks outperform bonds and short-term investment,  so the longer you're putting money away, the more important it is to place a portion in growth investments.  Shorter-term money belongs in more conservative investments which are less subject to fluctuations.  The longer your money can be invested and take advantage of market cycles, the more aggressive you may want to be.

9.  Do you expect to withdraw more than one-third of the money in this account within 10 years (for a home purchase, college tuition, or other major need)? 

10.  Do you expect to take earnings (with no reduction in principal) from this account in:

Total Points:   

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Randy Koehler,
Certified Financial Planner
Registered Investment
Advisor Associate