Client Discovery Intake — Goldstein & Co.

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AEngagement & identity

Tag this scenario so you can find it later. The code becomes part of the report URL.

Client codename e.g. GC-2026-Smith, or just first name

Engagement date When you started this analysis

Client first name

Spouse first name If MFJ

Referral source RLF class? Cold call? Realtor?

Client email For sending the report

BDemographics & longevity

Client birth year Drives RMD start age (73 if <1960, 75 if 1960+)

Spouse birth year Leave blank if single

Filing status

State of residence at sale Affects CA tax math

Planning to relocate post-sale? CA source-tax gray area applies

If relocating: target state & year

Expected age at death — client For lifetime comparison

Expected age at death — spouse

Annual charitable giving (current) QCD strategy after 70.5

CThe sale

Asset type

Sale price (gross)

Cost basis Purchase price + documented improvements

Improvements documented? If unsure, will lower basis

Planned closing date

§121 primary-residence exclusion eligible? 2 of last 5 yrs lived

Depreciation taken (full schedule) §1250 recapture at 25%

Selling costs & commission

Existing mortgage payoff at closing

Buyer credit profile

Prior 1031 deferred basis carried in?

Realtor commission rate (combined)

DCurrent tax profile

Pull from last filed return + project current-year without the sale. Most accurate predictor of bracket stacking.

2025 AGI From filed 1040 line 11

2026 expected AGI WITHOUT the sale

W-2 income (still working?)

Self-employment net income

Pension / annuity gross (annual)

Rental income (separate from this sale)

Other capital gains this year

Investment income (interest + dividends)

Carryforward losses (NOL + cap loss)

Itemized vs standard deduction

SALT cap exposure?

QBI deduction eligible?

ERetirement & investment assets

Traditional IRA balance

Traditional 401(k) balance

SEP / SIMPLE balances

Roth IRA balance (existing)

Roth 401(k) balance

Inherited IRA?

Taxable brokerage (after-tax)

HSA balance

Other annuities (existing)

Expected pre-tax growth rate (annual %)

FSocial Security strategy

Client claimed SS yet?

Client claim age (planned or actual)

Client expected annual SS benefit

Spouse claimed SS yet?

Spouse claim age (planned)

Spouse expected SS benefit

GMedicare & health

Currently on Medicare?

Current IRMAA tier

Medicare Advantage or Medigap?

LTC insurance annual premium

HCash & liquidity

Roth conversion size is capped by available cash to pay the conversion tax. This drives the strategy.

Cash on hand (savings/MM)

Emergency fund target (keep separate)

Outside cash for Roth conversion tax Cash NOT from the sale, available to pay conversion tax

Existing non-mortgage debt

HELOC available

IGoals & constraints

Annual income needed in retirement

Legacy priority For heirs or charity?

Carrier rating preference

Roth conversion bracket ceiling

Optimization objective

Heirs' expected tax bracket Drives Roth value

JSpecial circumstances & per-year overrides

The escape hatch for cases the structured optimizer can't model. Lump K-1 income, planned rental sales, inheritance, second sale — anything year-specific goes here.

Year	Age	Extra ordinary income	Extra capital gain	Force Roth conversion to	Note

Other special-case notes Pending divorce, trust structures, business succession, disability, special-needs trust, anything else

KExisting advisors

For coordination + sending the CPA report directly.

CPA name

CPA email

Attorney name

Attorney email

Financial advisor name

Other relevant advisor

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