Financial Checkup

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Your Name* This field is required.
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Email* This field is required.
example@example.com
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Do you have a budget?* This field is required.
Absolutely! I check in on it regularly.
No, I have been meaning to but I haven't gotten around to it.
I have a basic idea of my finances, but no real system.
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Are you able to save consistently without sticking your hand in the cookie jar?* This field is required.
I have some savings, but I do not know if I am saving enough.
Yes, for both short-term savings and retirement.
No, I am constantly sticking my hand in the cooking jar.
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Do you have debt?* This field is required.(Excluding student loans car and mortgage)
Yes, I owe everybody. This debt has me in a choke hold.
No, I pay my balances in full each month and/or use my debit card exclusively.
I mostly pay off my balances, but occasionally I let it ride.
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Do you have the optimal repayment plan for your student loans?* This field is required.
Yes, I know exactly what is optimal based on my particular situation.
No, I have just been ignoring them and hoping they get forgiven.
I pay when they tell me to, but I am not really clear on all the options.
I don't have student loans. :)
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Are you saving enough for retirement?* This field is required.
Yes, I have a clear retirement age in mind and have done analysis to ensure I am saving enough.
No idea how much I need to be saving or even how much I am saving for that matter...
I am making some retirement contributions, but I am not sure if I am saving enough.
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Are your investments appropriately diversified?* This field is required.
Yes, I understand my current allocations, risk tolerance, and time horizon.
I have no idea.
I am invested in something, but I am not sure if it is the right thing.
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Are you using the right investment accounts based on your personal situation?* This field is required.
Yes, I have it covered.
Not a clue.
I have some investment accounts, but I am unsure if they are optimal.
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Do you work with an accountant or Enrolled Agent on your taxes each year?* This field is required.
Yes, and we do tax planning.
No, I do my own taxes.
I hired someone, but I have some concerns.
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Do you have a clear understanding of how to optimize the benefits offered by your employer?Life / Disability / Health / 401(K) / Other Employee Perks (ie. Maternity leave, mental health care, PTO.... )
I am using some options, but I am not sure my coverages are sufficient.
Yes, I am confident I have opted into the appropriate options for my needs.
I could use some help understanding my benefits.
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Do you have TERM life insurance?If your life insurance has the word "whole", "variable" or "universal" then it is not term insurance.
I don't have life insurance.
I have a policy, but I don't know if it is enough.
Yes, it will take care of my family should I pass away while still building wealth.
No, but I do have a whole, variable or universal policy.
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Do you understand what your car, renter’s/homeowners insurance covers and whether it is appropriate based on your particular situation?
Yes, I am confident I have proper coverage for most unforeseen circumstances.
No, I just have whatever they sold me.
I have insurance, but I would like some clarity around my coverage.
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Do you understand when you might be a good candidate for umbrella insurance and have it if applicable?
Yep!
No idea what umbrella is.
I have heard of it, but do not know if I need it.
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Do ALL of your accounts have beneficiaries?
Yes, and I review them every year.
What is a beneficiary?
I have beneficiaries for some accounts, but I am not sure what accounts need them.
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Do you have documents in place that explain your wishes should you be incapacitated or die?Who would look after your kids if something happens? Who gets your stuff? What kind of medical wishes do you have?
Yes, I have a will, MPOA, DPOA, and all necessary documents.
No, if I die now, they will just have to figure it out.
I know I need to do this, but I haven't gotten around to it yet.
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Score
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Wellness ExamCongratulations! It sounds like you are financially healthy, but it doesn't hurt to check in with a financial professional occasionally to ensure you are still on track. This is a great preventative measure to ensure you stay healthy. We recommend checking out our 90-minute checkup.
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Sick VisitGood news, you're not dead! But there are definitely some things you can do to improve your financial health. Speaking with a financial professional could help you take care of your current problem areas. The great news is we offer several exciting options to get you back on track! We recommend checking out our 90-minute checkup. If you prefer one-on-one customized advice, we would also recommend a Financial Roadmap.
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Emergency RoomYikes, you have a lot going on and need some help! You should invest in finding a financial professional that is right for you immediately. Financial illness can greatly impact the health of other areas of your life, and we want to see you living your best life! You can check us out here! We offer many different free resources to help you get back on track. Here is a list of Financial Coaches that we recommend checking out as well: Community Roots Financials, Amy Scott Financial Coaching, Leah Davis, Family Budget Expert, Art of Finance
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We would love to meet with you!
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