Carrara Wealth Management — Client Suitability Questionnaire

Section 1 of 9

Personal Information

Basic demographic details help us personalize your plan and ensure accurate record-keeping for regulatory purposes.

First Name *

Last Name *

Email Address *

Phone Number

Date of Birth *

Marital Status

Dependents Under 18

Total Financial Dependents

Including adult children, aging parents, or others you financially support.

Mailing Address

State of Residence *

Citizenship Status

Section 2 of 9

Employment & Income

Your income profile informs sustainable withdrawal rates, savings capacity, and how aggressively your portfolio should be structured.

Employment Status *

Employed Full-Time

Employed Part-Time

Self-Employed / Business Owner

Retired

Not Currently Employed

Occupation / Title

Employer / Firm

Annual Household Gross Income *

Other Income Sources (select all that apply)

Rental Income

Social Security

Pension / Annuity

Business Distributions

Alimony / Support

None

Estimated Federal Tax Bracket

Tax Filing Status

Target Retirement Age (or current age if already retired)

Section 3 of 9

Net Worth & Assets

Understanding your full balance sheet allows us to design an allocation strategy within the context of your complete financial picture.

Total Estimated Net Worth *

Include all assets: real estate, investments, business interests, retirement accounts, personal property, etc.

Net Worth Excluding Primary Residence

Liquid Net Worth *

Cash, brokerage accounts, and retirement accounts that could be liquidated within 30 days.

Assets to be Managed by Carrara *

Real Estate & Liabilities

Do you own real estate beyond your primary residence?

Yes

No

Estimated Total Liabilities / Debt

Mortgage(s), student loans, business debt, and other obligations.

Business Interests & Windfalls

Do you own a private business?

Yes

No

Estimated Business Value

Do you anticipate a significant inheritance, business sale, or other windfall in the next 10 years?

Yes, likely

Possible

No

Section 4 of 9

Investment Objectives

Defining your goals allows us to align your portfolio's structure — income generation, growth, preservation — to what matters most to you.

Primary Investment Objective *

Capital Preservation Protect principal above all else. Minimal risk accepted. Typically for short time horizons or conservative needs.

Income Generate consistent income distributions. Moderate emphasis on capital stability.

Balanced Growth & Income A blend of income-generating assets and growth investments. Moderate risk tolerance.

Growth Long-term capital appreciation with limited need for current income. Moderate-to-high risk accepted.

Aggressive Growth Maximum long-term capital appreciation. High risk tolerance; prepared for significant short-term volatility.

Specific Financial Goals (select all that apply)

Retirement Funding

Education Funding

Estate Planning / Wealth Transfer

Tax Minimization

Real Estate Purchase

Charitable Giving

Business Investment / Acquisition

Lifestyle / Financial Independence

What is MOST important to you in this portfolio?

Anything else you'd like us to understand about your goals?

Section 5 of 9

Time Horizon

The length of your investment horizon is one of the most important determinants of your portfolio's appropriate risk level and asset mix.

Investment Time Horizon for This Portfolio *

Under 1 YearShort-term / specific near-term purpose

1–3 YearsNear-term goal

3–5 YearsMedium-term

5–10 YearsMedium-to-long term

10–20 YearsLong-term

20+ YearsGenerational / very long-term

When do you expect to begin drawing income or distributions from this portfolio?

Currently drawing / immediately

Within 1–3 years

3–5 years from now

5–10 years from now

More than 10 years from now

Not planning to draw; wealth transfer

Do you anticipate needing to withdraw more than 10% of the portfolio's value within the next 3 years?

Yes

Possibly

No

Major Planned Expenses in the Next 3 Years

Section 6 of 9

Risk Tolerance

These questions help us understand both your intellectual and emotional relationship with investment risk — two things that don't always align.

How would you describe your overall risk tolerance? *

ConservativePrioritize capital protection; minimal exposure to market volatility.

Moderately ConservativeComfortable with modest fluctuations in exchange for slightly higher returns.

ModerateBalanced approach; accept periodic losses for meaningful long-term growth.

Moderately AggressiveComfortable with significant short-term volatility for strong long-term returns.

AggressiveWilling to accept large drawdowns for maximum long-term capital appreciation.

Imagine your portfolio drops 25% in six months due to a market downturn. What would you most likely do?

Sell everything to prevent further losses

Sell some holdings to reduce exposure

Hold and wait for recovery

Buy more — markets are on sale

Which portfolio scenario would you be most comfortable with?

Portfolio AExpected +4% per year. Worst single-year decline: −3%

Portfolio BExpected +7% per year. Worst single-year decline: −12%

Portfolio CExpected +10% per year. Worst single-year decline: −25%

Portfolio DExpected +13% per year. Worst single-year decline: −40%

Maximum acceptable portfolio loss in any 12-month period

How important is it that your portfolio beats inflation vs. avoids short-term losses?

Avoid losses above all Balanced Beat inflation above all

Balanced

Have you experienced a significant portfolio loss before (20%+)?

Yes, and I handled it well

Yes, and it was very difficult

No

Section 7 of 9

Liquidity & Cash Flow

Understanding your need for accessible funds helps us ensure the portfolio maintains appropriate liquidity without sacrificing return potential.

Do you have an emergency fund separate from this portfolio?

Yes

No

How many months of living expenses does your emergency fund cover?

Does your regular income (salary, pension, Social Security, etc.) cover your monthly living expenses without needing to draw from investments?

Yes, comfortably

Partially — some draw needed

No — portfolio is primary income source

If you need to draw from this portfolio, what approximate annual amount do you expect?

What percentage of this portfolio must remain accessible (liquid) within 30 days at all times?

Section 8 of 9

Investment Experience & Existing Holdings

Your investment background informs how we communicate with you and helps us identify opportunities to consolidate, optimize, or complement existing assets.

Years of Investment Experience

Do you have other investment accounts outside of this engagement?

Yes

No

Estimated value of those external accounts

Do you have a concentrated stock position exceeding 10% of your total net worth?

Yes

No

Please describe the concentrated position

Are you subject to any insider trading restrictions or securities trading blackout periods?

Yes

No

Have you previously worked with a financial advisor or wealth manager?

Yes

No — self-managed

No — new to investing

Section 9 of 9

Values, Preferences & Special Circumstances

These final questions allow us to incorporate your personal values and any unique considerations into your investment strategy.

Do you have ESG, sustainable, or values-based investing preferences?

Yes — important to me

Somewhat, if returns aren't affected

No preference

Please describe your ESG preferences or any sectors/companies you'd like to exclude

Interest in Alternative Investments (select all that apply)

Private EquityBuyouts, venture, growth equity

Private CreditDirect lending, structured credit

Real Assets / InfrastructureTimberland, farmland, infrastructure

Hedge Funds / Liquid AltsLong/short, macro, multi-strategy

Digital Assets / CryptoBitcoin, Ethereum, tokenized assets

No interest in alternatives

Are you an accredited investor?

Yes

No / Unsure

Accredited investor status (income >$200K or net worth >$1M excl. primary residence) determines access to certain private investments.

Estate Planning — Do you have the following documents in place? (select all that apply)

Will

Revocable Living Trust

Durable Power of Attorney

Healthcare Directive / Living Will

None in place

How do you prefer to receive portfolio reporting and communications?

Email (PDF reports)

Client portal / dashboard

Meetings

How frequently would you like to receive portfolio performance updates?

Monthly

Quarterly

Annually

Anything else you'd like Carrara to know?

By submitting this questionnaire, I confirm that the information provided is accurate and complete to the best of my knowledge. I understand that this questionnaire is for informational purposes only and does not constitute investment advice. Carrara Wealth Management will use this information solely to develop a personalized investment strategy and financial plan on my behalf.

I confirm the above and consent to Carrara Wealth Management using this information for financial planning purposes. *

Please check this box to continue.

Client SuitabilityQuestionnaire