Before We Meet — Into JoyFlow

You've already connected your accounts to Monarch Money — so we have your real spending covered. This short form fills in the few things Monarch can't see: your income, your employer benefits, your debts, and your savings balances.

Approximate figures are fine. The more accurate you are, the more useful our first conversation will be.

Section 1 of 5

Income

Your take-home pay is visible in Monarch Money — but we need your gross income to build an accurate picture of what's possible.

Annual Gross Salary

Pay Frequency

Additional Income (side work, freelance, rental, etc.)

Section 2 of 5

Employer Benefits

These affect your real cash flow but won't show up in your bank feed.

Do you contribute to a 401(k) or 403(b)?

Your Contribution Rate

Employer Match (if any)

HSA or FSA Contribution (annual)

Section 3 of 5

Debts

Monarch Money shows your monthly payments — but we need the full balance and interest rate to understand the real picture and prioritize smartly.

Type	Balance	Interest Rate	Monthly Payment

Section 4 of 5

Savings & Investments

Approximate balances are fine — we're looking for the overall picture, not exact figures.

Emergency / General Savings

Typical Checking Account Balance

Retirement Accounts (401k, IRA, Roth)

Other Investments or Savings

Section 5 of 5

Anything Else?

Is there anything about your financial situation you'd like your advisor to know before your first meeting? A pending job change, an expected inheritance, a financial situation you've been navigating — anything that feels relevant.

Your thoughts

Your responses are private and confidential — seen only by your advisor.