What to Expect From Your Financial Analysis
A Foundational Step in Your Retirement Planning Journey
At Childress Financial Consultants, our Discovery Session is designed to be thoughtful, efficient, and deeply personal. One of the most important tools we use during this initial conversation is your Financial Analysis—a structured overview of your current financial picture, your goals, and the opportunities available to you.
What Is the Financial Analysis?
The Financial Analysis is not a sales document—and it’s not about judgment. It’s a clarity tool.
It allows us to step back and look at your finances from a high level so we can have a more meaningful, productive conversation. Rather than guessing or relying on assumptions, we use real numbers and real goals to guide the discussion.
Our analysis follows a clear, four-part framework designed to move you from where you are today to where you want to be financially KC Financial Analysis 8.16:
Household Information – Understanding who and what should be considered in your plan
Current State – A clear snapshot of income, expenses, assets, and obligations
End in Mind – Clarifying your goals, priorities, and vision for the future
Bridge the Gap – Identifying strategies to close the gap between today and your ideal outcome
This structure helps ensure nothing important is overlooked—especially when it comes to retirement income, cash flow, protection, taxes, and legacy planning.
Why We Ask You to Complete the Income & Expense Worksheet
Before your Discovery Session, we’ll ask you to complete an Income & Expense Worksheet, which we’ll link for you directly.
This step is intentional.
Taking time to review your income sources and monthly expenses before we meet allows you to:
Reflect on your current cash flow without pressure
Gather accurate information at your own pace
Avoid feeling rushed or put on the spot during the meeting
Make the Discovery Session more focused and efficient
Many clients tell us this is the first time they’ve ever seen their finances laid out clearly in one place—and that alone can be incredibly empowering.
To access the Income & Expense Worksheet, click here.
How This Helps Our Conversation
Because you’ve already done the groundwork, our time together can be spent where it matters most:
Identifying potential gaps or risks you may not see yet
Understanding how your money is working (or not working) for you
Exploring retirement income strategies—not just account balances
Discussing Social Security, taxes, and long-term sustainability
Aligning financial decisions with your family and lifestyle goals
In short, the Financial Analysis allows us to move beyond surface-level conversations and into strategy.
Your Information Is 100% Confidential
We understand that sharing financial details requires trust—and we take that responsibility seriously.
All information you provide:
Is used solely for your planning conversation
Is kept confidential and handled securely
Is never shared without your explicit permission
Our role is to serve as a trusted guide, not to pressure or sell. The Discovery Session is about understanding, education, and alignment—nothing more, nothing less.
A Final Word
Completing the Financial Analysis and Income & Expense Worksheet is one of the most valuable steps you can take before beginning your retirement planning journey. It sets the tone for a thoughtful, collaborative conversation and allows us to truly meet you where you are.
We look forward to walking through it with you—and helping you gain clarity and confidence about what comes next.
If you have any questions while completing the worksheet, don’t hesitate to reach out. We’re here to help.
About Childress Financial Consultants
Kwesi and Cheri Childress are the husband-and-wife team behind Childress Financial Consultants, helping families and business owners plan for retirement with confidence. They specialize in maximizing Social Security benefits, protecting assets, and creating lasting legacies through safe-money strategies.
Together, they believe retirement planning isn’t just about money — it’s about family, freedom, and leaving a lasting legacy.
Schedule your complimentary Retirement Readiness Consultation today by calling (310) 256-7377 or sending an email to kchildress@cigbh.com