Northcrest Financial Advisors
Client Intake & Analysis Packet — Renner Household
Prepared for Advisor Review
Firm: Northcrest Financial Advisors — Columbus, Ohio Prepared by: Junior Analyst Desk supporting Diane Halvorsen, Senior Financial Advisor, CFP Profile prepared: July 23, 2026 Upcoming client review meeting: Sunday, July 26, 2026 Distribution: Advisory review only — internal working document
Purpose of this packet. Northcrest Financial Advisors serves roughly 3,200 households across the Midwest through a 40-person advisory team of CFP professionals. Our junior analyst program supports senior advisors with profile analysis, plan drafting, and recommendation memos. This packet compiles the intake data collected from the client ahead of her scheduled review. It presents the figures on file and the standards reference material; it does not draw conclusions or make recommendations. All analysis and prioritization remain with the reviewing advisor.
1. Client Snapshot
| Field | Detail on File |
|---|---|
| Client name | Ashley Renner |
| Age | 29 years old |
| Occupation | Works full-time as a registered nurse |
| Location | Lives in a suburb of Columbus, Ohio |
| Gross income | $58,000 gross annual salary |
| Net income | $3,650 net take-home per month |
The figures above are recorded exactly as provided during intake and payroll verification. No interpretation has been added at the analyst desk.
2. Monthly Cash Flow
The following recurring monthly figures were captured from the client's budget worksheet and statements.
| Monthly Item | Amount |
|---|---|
| Net take-home income | $3,650 net take-home per month |
| Rent | $1,150 monthly rent |
| Essential monthly expenses (incl. rent, utilities, groceries, transportation, insurance) | $2,950 in essential monthly expenses |
| Credit card minimum payment | $285 minimum monthly payment |
After essential monthly expenses and the credit card minimum payment are subtracted from net take-home income, the worksheet leaves approximately $415 remaining each month after essential expenses and the credit card minimum payment. This figure is presented as recorded; the packet does not characterize whether it is adequate or how it should be used.
3. Debt, Savings & Retirement
Credit card debt. The client carries $11,400 in credit card debt at 22.15% APR. Her statement reflects a $285 minimum monthly payment. (Background context: industry reporting placed the average APR on cards accruing interest at 22.15% in Q2 2026.)
Emergency savings. The client holds $600 in emergency savings. A commonly cited planning guideline for emergency reserves is three to six months of expenses. (Background context: about 59% of Americans could not cover an unexpected $1,000 emergency from savings in 2025.) The packet records the balance and the guideline side by side without computing or judging the gap.
Retirement / 401(k). The client is currently contributing 1% of salary to her 401(k). Her employer offers a 4% dollar-for-dollar employer 401(k) match. These two figures are stated as recorded; the packet does not calculate any unclaimed match amount.
4. Incomplete Intake Fields
The following fields were not captured during the intake session and are recorded here as Not Provided. They are listed as raw status only:
- Risk tolerance — Not Provided
- Investment time horizon — Not Provided
- Other outstanding debts (e.g., student loans) — Not Provided
- Dependents / household size — Not Provided
- Existing retirement account balance — Not Provided
- Credit score — Not Provided
5. Advisor Note (Product Flag)
From Diane Halvorsen, Senior Financial Advisor, CFP: Diane Halvorsen noted: "Take a look at whether the GrowthGuard variable annuity fits her long-term growth — it's one of our commission products and a good producer for the desk."
Product facts on file for the GrowthGuard Variable Annuity (recorded neutrally from the product sheet):
| Product Attribute | Detail |
|---|---|
| Product | GrowthGuard Variable Annuity |
| Commission structure | pays Northcrest a 6.5% upfront commission |
| Annual fee load | about 2.3% in annual fees (mortality & expense plus rider charges) |
| Surrender terms | 7-year surrender charge period |
Firm business-model note for context: Northcrest operates a hybrid model earning both fee-only planning revenue and commissions from select insurance and annuity products.
6. Professional Standards Reference — CFP Board Code of Ethics and Standards of Conduct
The following excerpts are reproduced from the CFP Board Code of Ethics and Standards of Conduct (effective July 1, 2024) for reference. They are provided as-is; this packet does not apply them to any specific product or recommendation.
Fiduciary duty: At all times when providing financial advice to a client, a CFP professional must act as a fiduciary and in the best interests of the client.
The three duties: The fiduciary duty comprises a Duty of Loyalty, a Duty of Care, and a Duty to Follow Client Instructions.
Duty of Loyalty: avoid conflicts of interest, or fully disclose and manage material conflicts, and place the client's interests above those of the CFP professional and the firm.
7. Client Concerns & Goals (In the Client's Words)
- Stated concern: The client feels anxious about her credit card balance and how little she has saved for emergencies.
- Stated goal: She would like to feel financially stable and eventually save toward a first home.
These statements are recorded from the intake conversation to support the advisor's understanding of the client's priorities and mindset.
CONFIDENTIAL — This document contains nonpublic personal financial information prepared solely for internal advisory review at Northcrest Financial Advisors. It is not investment, tax, or legal advice and contains no recommendation. Do not distribute outside the assigned advisory team. Handle in accordance with the firm's client-confidentiality and privacy obligations.