20. Do you and the working members of
your household have adequate
disability income insurance coverage?
o Yes o No o Not sure
o Not applicable. I don't have any
work-related income, or I am retired. 21. Do you have adequate homeowner's
insurance coverage?
o Yes o No o Not sure 22. Do you have adequate additional
insurance protection for valuables
(jewelry, silverware, etc.)?
o Yes o No o Not sure
o Not applicable. I don't currently
own any valuables. 23. Do you have a personal liability
(umbrella) insurance policy?
o Yes o No o Not sure 24. Do you have professional liability
insurance?
o Yes
o No, but I think I should
o Not sure
o Not applicable. My occupation
doesn't require professional liability
insurance, or I am retired. 25. Have you had difficulty obtaining
a loan or credit card recently?
o Yes o No 26. Are you considering making a major
purchase within the next few years?
o Yes, a home
o Yes, a car
o Yes, home improvements
o Yes, something other than a home,
car, or home improvements
o No 27. Do you have a home equity loan or
second mortgage on your home?
o Yes o No, but I'm considering it
o No o Not applicable, I am not
a homeowner. 28. How did you purchase your last car?
o I paid cash or it was a gift
o Loan of three years or less
o Loan of greater than three years
o Lease
o Not applicable. I don't own a car. | SAVING AND
INVESTING 29. Including contributions you make to
retirement accounts, (for example,
IRA's, 401(k) plans, and 403(b) plans)
but excluding any employer contri-
butions, how much of your gross
employment income do you save?
(If you are retired, indicate how much
of your gross retirement income you
are saving.)
o None
o Less than 5%
o 5-10%
o 11-20%
o Over 20% 30. If you have children, are you concerned
about being able to meet their
education costs?
o Yes o No
o Not applicable. I don't have
children, or my children are through
school. 31. Are you currently saving for your
children's education?
o Yes o No, but we plan to
o No o Not applicable, I don't
have children. or my children are
through school. 32. Most investors divide their investments
among three major categories:
stocks, bonds, and short-term
interest-paying securities. Of all the
investments you own (both retirement
and non-retirement accounts, but
excluding any real estate) approxi-
mately what percentage is invested
in stocks and mutual funds that invest
in stocks? ____________% 33. Who selects your investments?
o I and /or other family members do
o My broker or investment advisor
o Both myself and my broker or
investment advisor
o Not applicable. I currently
don't have any investments. 34. Do you review your investments
periodically?
o Yes o No
o Not applicable. I currently don't
have any investments. |
![[Picture]](smartplannertitle.jpg)
![[Picture]](smartplannerquestionnairecover.jpg)