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Financial Values Review

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FINANCIAL VALUES REVIEW

Review ID:    Date of Review:

Client Information

Reviewer / Firm

Assets (Schedule A)

Provide current owner-reported values as of the date of review below. Values should be expressed in whole dollars.

Asset Type Description / Institution Value

Liabilities (Schedule B)

Liability Type Creditor / Description Balance Owed

Income & Expenses (Monthly)

Report recurring monthly income and expense amounts used for cashflow and debt-to-income calculations.

Summary Calculations

Total Assets:    Total Liabilities:

Net Worth (Total Assets less Total Liabilities):    Monthly Income Total:    Monthly Expense Total:

Debt-to-Income Ratio:    Liquidity Ratio (Liquid assets / Monthly expenses):

Valuation Methodology & Material Changes

Valuation Date:    Primary Valuation Method:

Certifications, Authorizations and Notices

By signing this Financial Values Review, I certify that the information and values provided in this document are true, complete and correct to the best of my knowledge and belief. I acknowledge that the reviewer relies on owner-reported information and supporting documents supplied by me and that the reviewer has not independently appraised every item unless expressly indicated in the valuation methodology.

I authorize the reviewer to use, retain and disclose the information contained herein to advisors, lenders or associates for the limited purpose of financial planning and assessment. I understand that the reviewer disclaims liability for reliance on third parties and that any estimates of value are subject to change and to applicable law and market conditions.

Client Name:

Signature:

Date:

Certification: I declare under penalty of perjury under applicable law that the information provided in this Financial Values Review is true and complete.

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What the Financial Values Review Is and when it’s used

A Financial Values Review is a structured report that documents an individual’s or entity’s key monetary positions, assumptions, and valuation metrics for a defined period. The review combines financial statements, asset listings, outstanding liabilities, and relevant market or appraisal inputs to create a defensible snapshot used for planning, audit, lending, or regulatory assessment. It is not a sworn affidavit unless notarized; the document’s legal weight depends on signatures, supporting evidence, and how it is delivered, authenticated, and retained under applicable U.S. law.

Why a Financial Values Review matters for accuracy and recordkeeping

A concise, consistent review reduces ambiguity in valuations, supports lender or auditor inquiries, and documents the assumptions behind reported figures.

Why a Financial Values Review matters for accuracy and recordkeeping

Typical users and recipients of a Financial Values Review

Recipients vary by use case; identify required viewers early to ensure appropriate signature and confidentiality controls.

  • Internal finance teams and controllers preparing consolidated position summaries for management review.
  • Lenders, underwriters, or auditors that require documented valuations and supporting schedules.
  • Legal and compliance staff when the review supports contractual terms or regulatory disclosures.

Core sections to include in a professional Financial Values Review

A complete review is organized into distinct components so reviewers can verify numbers and assumptions without reconstructing the work from scratch.

Executive Summary

One-page overview of valuation conclusions, effective date, scope limits, and who prepared or approved the review for quick reference.

Assets and Liabilities

Detailed listings by category with current values, basis for valuation, and citations to appraisals, account statements, or market quotes used.

Valuation Assumptions

Clear statement of discount rates, comparables, appraisal dates, and key assumptions that materially affect concluded values.

Supporting Schedules

Reconciliations, calculation worksheets, amortization schedules, and any third-party reports attached so reviewers can validate totals.

Reviewer Notes

Documented reviewer comments, changes requested, and a signoff trail showing who accepted adjustments and when.

Legal & Compliance Flags

Disclosure of conflicts, contingent liabilities, regulatory constraints, or litigation that could affect value reliability.

Step-by-step: completing a Financial Values Review

Follow these stages to produce a complete, verifiable review that meets common lender and audit requirements.

  • 01
    Prepare documentation: Gather statements, appraisals, and contracts.
  • 02
    Populate fields: Enter values and assumptions per guidance.
  • 03
    Internal review: Have a second reviewer check calculations.
  • 04
    Finalize and sign: Obtain required signatures and record audit trail.

Typical digital workflow settings for online completion

Standard configurations reduce signer friction and preserve an evidentiary audit trail for electronic submissions.

Field Configuration
Signature Field Required; signer authentication optional (email or SMS)
Date Field Auto‑populate on signature; format MM/DD/YYYY
Attachment Field Require supporting PDF upload for appraisals or statements
Reviewer Approval Sequential signer order with required reviewer step

Where to send or file a completed Financial Values Review

Determine routing based on the document purpose: lender, auditor, internal records, or legal counsel.

  • Lender Submission: Send to underwriting email or secure portal per lender instructions.
  • Audit File: Store final signed copy in the audit repository with attachments.
  • Internal Records: Place a copy in the accounting system and tag by period.
  • Legal Counsel: Provide counsel with redacted copies for transactional review if needed.

Digital signature and file format considerations

Ensure the chosen tool can export signed PDFs with embedded audit history and meet any industry-specific security obligations.

  • Formats: PDF, DOCX supported
  • Integrations: Connectors for Google Workspace and Microsoft 365
  • Authentication: Email, SMS, or stronger MFA

How a Financial Values Review differs from a Personal Financial Statement

These documents overlap but serve different audiences and levels of verification; the table summarizes key contrasts.

Criteria Financial Values Review Personal Financial Statement
Purpose valuation snapshot credit and net worth overview
Level of Detail high detail moderate detail
Typical Use lending, audit, valuation loan application, budgeting
Notarization optional occasionally required

Primary risks and legal consequences to be aware of

Material Misstatement: May trigger audit or contractual liability
Missing Signatures: Can render document unenforceable
Data Breach: Exposure of sensitive financial data
Incorrect Filing: Regulatory or reporting penalties possible
Tax Exposure: Incorrect reporting may incur IRS penalties
Legal Disputes: Higher litigation risk without supporting evidence

Common preparation errors to avoid

  • Using inconsistent valuation dates across schedules, which creates reconciling differences and increases reviewer workload.
  • Failing to attach third-party appraisals or account statements, leaving key numbers unsupported and subject to challenge.
  • Entering names or entity identifiers that do not match legal records, causing signature attribution and acceptance issues.
  • Relying on handwritten corrections without re-signing, which can invalidate the review for formal or legal use.

Security and compliance controls to include with the review

Encryption: TLS 1.2/1.3 in transit, AES-256 at rest
Audit Trail: Timestamped actions with IP and user
Access Controls: Role-based permissions and MFA
Compliance: ESIGN, UETA support where applicable
HIPAA Support: BAA required for PHI handling
Certifications: SOC 2 Type II and ISO 27001 available

Practical tips for accurate, auditable reviews

Adopt consistent templates, require reviewer signoff, and centralize final storage to reduce rework and evidentiary gaps.

Use a standardized template
Standard templates reduce variation and speed review. Include mandatory fields, required attachments, and inline guidance to prevent omissions and ensure consistent presentation across reporting periods.
Require a second reviewer
A secondary reviewer verifies calculations and assumptions, documents changes, and provides a signoff trail that strengthens defensibility in audits or disputes.
Attach supporting documents
Always include bank statements, appraisal reports, contracts, or broker quotes. Supporting evidence reduces follow-up and strengthens valuation conclusions for external reviewers.
Preserve an immutable audit trail
Store signed PDFs with embedded audit history and restrict edit permissions. Maintain version control and record who accessed or modified the file and when.

Real-world examples of Financial Values Review usage

These brief examples show how organizations use a review to streamline transactions and support compliance.

Optica Ventures (Brian Fitzgibbons)

The firm adopted a standardized review to support investor reporting and due diligence processes.

  • Implementation reduced follow-up questions by a measurable margin.
  • As a result, Optica Ventures shortened investor review cycles and provided consistent documentation that auditors accepted without repeated information requests.

Martin Properties (Tim Martin)

A regional real estate operator used reviews to document property valuations for refinancing.

  • Review templates aggregated appraisal and rent roll data into one package.
  • The approach enabled the lender to underwrite more efficiently and reduced time to close while keeping all valuation assumptions clearly documented.

Who typically has authority to sign and certify the review

CFO — Finance Lead

The chief financial officer or an authorized finance officer usually certifies accuracy and completeness. Their signature indicates internal approval of assumptions and reconciliations and may be required by lenders or auditors.

Authorized Agent — Legal

An authorized agent or general counsel may sign for legal sufficiency. That signature confirms disclosures and conflict-of-interest statements and supports enforceability in contractual or regulatory settings.

Typical timelines and processing expectations

Set clear internal milestones to avoid delays when reviews support time‑sensitive transactions or reporting obligations.

Request Timing:

Provided upon request; respond promptly to avoid downstream delays

Internal Review Window:

5 business days typical for preliminary review

Signer Deadline:

10 business days recommended for signatures

Notarization Window:

Complete notarization within 14 days of signature when required

Archive Start Date:

Retention begins on the effective date

Key processing milestones from draft to archive

These numbered stages represent the standard sequential lifecycle for a Financial Values Review.

01

Draft Preparation

Compile schedules, statements, and initial valuations for reviewer review.

02

Internal Review

Secondary reviewer checks calculations and supporting documentation.

03

Signatures and Authentication

Obtain required signatures, notarization, or witnessed execution as applicable.

04

Final Archive

Store signed document and attachments in secure records with retention metadata.

eSignature vendor comparison for executing a Financial Values Review

Compare typical plan starting prices and key capabilities relevant to secure signing, bulk distribution, and regulatory compliance.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial Yes, 7-day trial Varies by vendor Varies by vendor Varies by vendor Varies by vendor
Bulk Send Yes (Business Premium) Yes Yes Yes Limited
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes (BAA required) Yes Yes No No
Envelope Cap No cap 100 envelopes/user/year Varies Varies Varies

Frequently asked questions and practical answers

Answers to common questions about signature validity, notarization, storage, and platform selection for a Financial Values Review.


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