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MFS Heritage Planning®

The MFS Heritage Planning program provides tools and resources to help you address your clients' unique financial concerns at every life stage and enhance relationships.  

What Keeps You Up at Night Checklist

Use these comprehensive checklists before or after client meetings to uncover clients' financial concerns and customize your planning conversations. 

What Keeps You up at Night Checklist
MFS Heritage Planning®

What Keeps You up at Night Checklist

Ask clients to check off any concerns. Then use this information to customize meetings.

Women's What Keeps You up at Night Checklist
Winning With Women

Women's What Keeps You up at Night Checklist

Use this checklist that addresses concerns unique to women clients.

What Keeps You Up at Night: Employee Checklist
MFS Heritage Planning®

What Keeps You Up at Night: Employee Checklist

The checklist is designed to help advisors identify employees' most common financial concerns at every career stage.

Uncover Opportunities
MFS Heritage Planning®

Uncover Opportunities

This sales idea helps advisors understand how to use the checklist with clients to spark planning conversations and demonstrate their value.

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Monthly Touchpoints

Use these these monthly touchpoints to leverage the Heritage Planning program to stay in touch with clients year round and demonstrate your value.

Monthly touchpoints
What Keeps You Up at Night Tool

Now that you know how to use the What Keeps You Up at Night checklist, create personalized materials that address client's specific needs. 

Simply scroll through the categories listed below, check the boxes that align with your client's concerns and click on CHECKOUT.

A personalized resource guide for your client with related infosheets will be created.

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SELECT the questions of concern to your CLIENT
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  • Choose the instructions that apply to your client for How much should I save for college? When should I start planning?

    • 529 Education Planning flyer

  • Choose the instructions that apply to your client for What are my education savings options?

    • 529 Education Planning flyer

Choose the instructions that apply to your client
  • Choose the instructions that apply to your client for How can I learn more about Medicare?

    • This client guide provides an overview of key Medicare basics, eligibility and enrollment as well as health and drug coverage options.

  • Choose the instructions that apply to your client for What should I consider when evaluating care facilities?

    • Finding the right care facility for a loved one.

    • Choosing a nursing home for a family member can be one of the most difficult decisions you make.

  • Choose the instructions that apply to your client for How do I cope with Alzheimer's disease?

    • Learn about this disease and what to do if someone you love may suffer from it.

  • Choose the instructions that apply to your client for What happens if I have to care for my parents?

    • This piece outlines tips and resources for managing the stress associated with caregiving.

    • Includes information on working with your family, community resources, caregivers, housing options, financial matters, and health care costs.

    • A hypothetical illustration of how leaving work and taking a break in saving for several years could impact a woman's overall retirement account balance.

Choose the instructions that apply to your client
  • Choose the instructions that apply to your client for What should I know about estate planning?

    • Consider these important steps to help navigate the complexities of estate planning.

  • Choose the instructions that apply to your client for How do I protect my estate from taxes?

    • A comprehensive estate plan that includes gifting can help ensure your wealth is transferred according to your wishes. Estate tax and gifting rules are complicated, and this overview covers only a few of the many issues to consider.

  • Choose the instructions that apply to your client for How do I create a legacy for my children?

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  • Choose the instructions that apply to your client for Can I provide for my favorite charity when I'm gone?

    • A comprehensive estate plan that includes gifting can help ensure your wealth is transferred according to your wishes. Estate tax and gifting rules are complicated, and this overview covers only a few of the many issues to consider.

  • Choose the instructions that apply to your client for What will my survivors need to know?

    • A guide to help clients' survivors carry out the client's wishes

Choose the instructions that apply to your client
  • Choose the instructions that apply to your client for How do I keep my records safe and organized?

    • Use this worksheet to gather all of your important information in one place.

    • Share these 9 best practices with clients and prospects to help them better protect themselves and family members from common scams.

    • A flyer that provides clients with recordkeeping tips for their important financial records.

  • Choose the instructions that apply to your client for How do I do a better job budgeting? How do I reduce my debt?

    • This infosheet offers budget planning for households.

    • Reduce your debt by remaining disciplined and following this eight-point plan.

  • Choose the instructions that apply to your client for How do I teach little kids about money?

    • This infosheet covers ways to encourage children to make money smart decisions and become financially independent adults.

  • Choose the instructions that apply to your client for How do I help a young adult establish a financial strategy?

    • A guide to help graduates pay down their debt and attain a solid financial footing.

    • This infosheet offers budget planning for households.

    • A flyer that provides clients with recordkeeping tips for their important financial records.

  • Choose the instructions that apply to your client for How do I have financial discussions with family?

    • Use this worksheet with clients to map out a thoughtful and effective transfer of family wealth.

    • Steps you can take when passing on wealth to try to avoid common and costly mistakes and increase the likelihood that your estate transfers successfully and lasts through another generation.

Choose the instructions that apply to your client
  • Choose the instructions that apply to your client for How do we manage our finances after getting married?

    • Use this worksheet to gather all of your important information in one place.

    • This infosheet offers budget planning for households.

    • Money matters can be a sticking point for many couples. Consider this “to do” list as you work with your financial advisor to merge finances and prepare for a future together.

  • Choose the instructions that apply to your client for What happens to my 401(k) when I change jobs?

    • A job change creates a perfect opportunity to re-evaluate long-term financial planning.

  • Choose the instructions that apply to your client for What are my options if I'm laid off?

    • Facing a layoff is a nerve-wracking event that leaves many reeling. Working with your financial advisor, you can begin to methodically address your priorities and try to weather this setback without radically restructuring your finances.

  • Choose the instructions that apply to your client for I am getting divorced. What happens to my assets?

    • With an event as emotionally charged as divorce, you'll want to make the financial and legal processes as easy and as quick as possible.

  • Choose the instructions that apply to your client for How do I help my recent college grad transition into the workforce?

    • This infosheet highlights steps graduates can take to increase the chances of finding meaningful employment.

  • Choose the instructions that apply to your client for What do I do when a loved one dies?

    • A simple set of action steps survivors can take when a loved one passes.

Choose the instructions that apply to your client
  • Choose the instructions that apply to your client for Will my money last through retirement?

    • A hypothetical illustration of how forgoing a cup of coffee and investing the money instead could increase your retirement savings.

    • Advisors can use this info sheet to educate clients about the tax implications of rolling over or taking a lump-sum distribution from 401k plans when changing jobs or retiring.

    • A hypothetical illustration of how leaving work and taking a break in saving for several years could impact a woman's overall retirement account balance.

  • Choose the instructions that apply to your client for Do I need long-term care insurance?

    • A one-page infosheet that provides an overview of how to prepare for future long-term care needs and costs.

  • Choose the instructions that apply to your client for How do I manage all my retirement plans?

    • You may find that you have accumulated a number of workplace retirement accounts over the years. Consider consolidating these assets into a single rollover IRA.

    • This infosheet outlines important considerations regarding 401k distributions at retirement.

  • Choose the instructions that apply to your client for What should I consider before claiming Social Security?

    • An investor approved FAQ which highlights the most frequently asked questions related to the Social Security divorced spouse benefits.

  • Choose the instructions that apply to your client for What should I do with my employer retirement plan?

    • This infosheet answers the most common questions about lump-sum distributions from company retirement plans.

    • Advisors can use this info sheet to educate clients about the tax implications of rolling over or taking a lump-sum distribution from 401k plans when changing jobs or retiring.

  • Choose the instructions that apply to your client for Since I'm retiring soon, what do I need to do now?

    • 10 strategies to help investors prepare for retirement

    • This two page handout can help educate clients on the rules and benefits of Qualified Charitable Distributions and how it could be a potential consideration for their retirement plan.

    • Advisors can use this info sheet to educate clients about the tax implications of rolling over or taking a lump-sum distribution from 401k plans when changing jobs or retiring.

    • Moving out of state when you retire? Starting out new can be great, especially when you plan in advance.

    • You may have already, or will soon, receive an annual SSA benefits statement that outlines your personal retirement and disability benefits two key components of a comprehensive financial plan.

    • Walk clients through the ins and outs of taking required minimum distributions.

    • This infosheet outlines important considerations regarding 401k distributions at retirement.

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