Financial Health Diagnostic

Understand where you stand — and what to focus on next

🔒 Your data stays in your browser. Nothing saved, nothing shared.

⏱ Takes about 10 minutes

You

Spending

Building

Protecting

Legacy

Mindset

👤

Tell Us About You

Basic information that shapes your financial picture

Your Age

18 80+

State of Residence

Filing Status

Single

Married

Head of Household

Your Gross Annual Income ?

$0 $500k+

Spouse/Partner with Income?

Yes

Spouse's Gross Annual Income

$0 $500k+

💸

Where Your Money Goes

Understanding cash flow is the foundation of everything else

Monthly Fixed Expenses ?

$0 $15k+

Monthly Variable Expenses ?

$0 $10k+

Monthly Debt Payments ?

I'd like to enter debts individually for better recommendations

$0 $5k+

Total Monthly Payments: $0

Monthly Non-Retirement Savings ?

$0 $5k+

📈

Building Your Future

Retirement, investments, and long-term goals

Target Retirement Age

50 75+

Current Retirement Savings ?

$0 $2M+

Your Monthly Retirement Contribution

$0 $5k+

Monthly Employer Match ?

$0 $2k+

Expected Monthly Social Security ?

$0 $5k+

Investment Risk Tolerance

Conservative

Moderate

Aggressive

Planning to Help Fund Children's Education?

Yes

Total Education Savings: $0

🛡️

Protecting What Matters

Insurance, emergency funds, and risk management

Number of Dependents ?

Total Life Insurance Coverage ?

$0 $3M+

Primary Life Insurance Type

None

Term

Whole/Universal

Disability Coverage (% Income Replaced) ?

0% 70%

Umbrella Insurance Coverage ?

$0 $5M+

Emergency Fund Balance ?

$0 $100k+

Job/Income Stability ?

Stable

Moderate

Variable

📋

Legacy Planning

Ensuring your wishes are documented and protected

Which documents do you have in place?

Will Healthcare Proxy Financial Power of Attorney Living Will Trust

Beneficiary designations reviewed in last 2 years? ?

Yes

Not Sure

Estimated Total Net Worth ?

$0 $5M+

🧠

Your Financial Mindset

Understanding how you make decisions is as important as the numbers. Answer honestly — there are no wrong answers.

Dimension 1 of 5

Loss Aversion

How you emotionally weight losses vs. gains

Your portfolio drops 15% in a month. Which is closest to your gut reaction?

This is normal volatility — stay the course Uncomfortable, but I'd check my plan and likely hold Very anxious — I'd seriously consider reducing exposure I'd have trouble sleeping and want to sell some I'd sell immediately to stop the bleeding

Research shows losses feel roughly twice as painful as equivalent gains feel good. For you personally:

Gains and losses feel about equal to me Losses sting a little more, but I manage it Losses definitely hurt more than gains feel good Losses bother me significantly more — I dwell on them Avoiding losses is my primary investment goal

You have a guaranteed option of $3,000 or an 80% chance of $4,000 (20% chance of nothing). Which do you choose?

The 80% chance — expected value is higher Probably the gamble, but I'd think about it Tough call — could go either way Probably the guaranteed $3,000 Definitely the guaranteed $3,000 — a bird in hand

When reviewing your investment statements, you primarily look at:

Total return vs. benchmark over time Overall account balance trend Mix of gains/losses and total balance Which individual positions are down I focus on any red numbers immediately

Dimension 2 of 5

Present Bias

Your tendency to prioritize immediate rewards over future benefits

You receive an unexpected $5,000. Your most likely action:

Invest it immediately — it's "found money" for my future Save most of it, maybe treat myself to something small Split it — half to savings, half for something I've wanted Use most for something I've been wanting, save a little Enjoy it now — you only live once

Would you prefer $100 today or $120 in one month?

$120 in a month — that's a 240% annualized return Probably the $120, though waiting is annoying Honestly not sure — depends on my mood Probably the $100 today Definitely $100 today

When it comes to saving for retirement:

I max out all available retirement accounts I contribute consistently but not the maximum I contribute enough to get employer match I contribute when I can, but it's not a priority Retirement feels too far away to prioritize

When you want something expensive, you typically:

Wait, save up, and pay cash Wait a while to see if I still want it, then decide Research for a while, then buy if it makes sense Buy it fairly soon if I can afford payments Buy it now — life is short

Dimension 3 of 5

Overconfidence

Whether you overestimate your knowledge or let initial information unduly influence you

When you make a financial prediction (stock will go up, inflation will rise), how often are you right?

Honestly? About half the time — markets are hard to predict Maybe slightly better than chance, but not much I'd say I'm right more often than not I have good instincts — right most of the time I'm usually right when I make a call

When an investment thesis doesn't work out, it's usually because:

My analysis was incomplete or wrong A mix of my mistakes and unforeseeable events Usually unforeseeable external factors Bad luck or manipulation — my logic was sound I was right, but the market was wrong (for now)

A stock you own hit $100 last year but is now $60. When thinking about selling:

The $100 is irrelevant — I evaluate current value vs. future prospects I try to ignore it but it's hard not to think about it It's one factor — I'd prefer to sell closer to the high I think about it a lot — $100 feels like what it "should" be worth I would definitely wait to get back to $100

How often do you seek out information that might contradict your investment views?

Always — the bear case is as important as the bull case Often — I try to stress-test my thinking Sometimes, when I remember to Rarely — I know what I think Never — why seek reasons to doubt myself?

Dimension 4 of 5

Herd Behavior

How much you're influenced by what others are doing and recent events

A stock has tripled in six months and everyone is talking about it. You:

Am suspicious — why does everyone agree? What's the bear case? Might look into it, but popular doesn't mean good Would research it — maybe there's a reason it's popular Would probably buy some — don't want to miss out Would definitely buy — the crowd is usually right

When friends/family discuss their investment wins, you feel:

Happy for them, but it doesn't affect my strategy Curious, but I evaluate separately from my situation Some pressure to keep up, but I resist Anxious that I'm missing something Strong urge to do what they're doing

After three years of strong market returns, your expectation for next year is:

Historical averages apply — past returns don't predict future Maybe slightly above average, but regression to mean is real Probably another good year — trends tend to continue Another strong year — momentum is real Definitely strong — the good times are here to stay

How much do financial media and social media influence your investment thinking?

Minimal — I mostly ignore it I consume it but filter heavily It's one input among many It significantly shapes my views It's my primary source of investment ideas

Dimension 5 of 5

Action Bias

Your tendency to act vs. stay still when faced with financial decisions

During a market downturn, you feel you should:

Do nothing — my plan accounts for volatility Review but probably not act Make some adjustments to feel in control Take significant action — doing nothing feels wrong Act immediately — sitting still during chaos is irresponsible

You've identified a necessary financial change (rebalancing, updating insurance, etc.). You typically:

Execute it promptly — important things get done Schedule it and follow through within a week or two Intend to do it but often takes longer than planned Often delay until it becomes urgent Frequently don't complete it — other things take priority

Your investment allocation drifted from 60/40 to 75/25 stocks/bonds due to gains. You:

Rebalance regularly on a schedule regardless of market conditions Would rebalance relatively soon Would think about it but might wait to see what happens Would probably let it ride — it's doing well Why change what's working? Let winners run.

When facing a complex financial decision, you typically:

Gather information, set a deadline, and decide Research thoroughly but eventually make a call Research extensively and sometimes still feel uncertain Often postpone deciding because I need more information Struggle to make big decisions — analysis paralysis is real

Disclaimer: This diagnostic is for educational purposes only and does not constitute financial advice. Consult a qualified professional for advice tailored to your specific situation.