Memorandum

To: Client

From: Your Name

Re: Retirement Plan

I. Client Information (1.5 pages)

-Factors needed for the plan: age, health, life expectancy, other sources of income, etc.

-Desired age of retirement and retirement income

-Risk tolerance of client (risk taker or risk-averse?)

II. Retirement Plan (2 pages)

– Identify required savings pre-retirement and retirement savings and withdrawals during retirement (must include annual and monthly savings before retirement compared to annual and monthly withdrawals during retirement)

III. Asset Allocation (1.5-2 pages)

-Recommend different types of allocation to reduce risk based on client’s needs, personal risk tolerance, and other established factors.

-Include an asset allocation for the life of the plan (spreadsheet showing breakout) sample

IV. Summary

Sources:

2