IPS • Builder

Investment Policy Statement

Define objectives, risk, allocation, and governance—then print a clean PDF.

1) Client & Account

Client Name Prepared By Effective Date Review Frequency Primary Goal Time Horizon

2) Risk & Liquidity

Risk Preference (1–10) 5 Capacity Notes Emergency Fund (months) Cash Reserve Target ($)

3) Strategic Allocation (Targets & Bands)

Enter target % and rebalance bands (±%). Totals should equal 100%.

Asset Class	Target %	Band ±%
U.S. Stocks
International Stocks
Real Estate
Investment-Grade Bonds
Cash
Total	100%

4) Rebalancing & Contributions

Rebalance Cadence Rebalance Method New Contributions Policy Withdrawal Policy

5) Tax Management

Asset Location Tax-Loss Harvesting Capital Gains Constraints Municipal/NIIT/WA CGT Notes

6) Monitoring & Governance

Reporting & Reviews Exceptions & Overrides Signatures

Note: This IPS is an educational framework. Final details should reflect your specific plan and constraints. Past performance is not a guarantee of future results.