Financial Plan Workflow Step 1: Client Profile Gather or confirm: - Demographics : Age, spouse age, dependents, life expectancy assumptions - Employment : Current income, expected raises, retirement age target - Accounts : All investment accounts with balances and asset allocation - Income sources : Salary, bonuses, rental income, Social Security estimates, pensions - Expenses : Current annual spending, expected changes (mortgage payoff, kids' independence) - Liabilities : Mortgage, student loans, other debt - Insurance : Life, disability, LTC, health - Estate : Wills, trusts, beneficiary des…