Remnant Finance REMNANT
FINANCE
Schedule a Call
Financial Readiness Assessment | Remnant Finance
Financial Readiness Assessment

The Trailhead

Where the journey begins.

A short set of questions gives you an honest snapshot of your strengths, gaps, and next moves across Protect, Save, and Grow.

ProtectSaveGrow
Private & secure · No account required · Rough estimates are fine
About You
Protect
Save
Grow
Beliefs
Your progress saves automatically on this device — you can close this and finish later.
Welcome back. We picked up right where you left off.
Foundation

First, a little about you

This sets the baseline we measure everything else against — your income, your timeline, and who's depending on you.

How did you find us?
Your advisor
Please choose an advisor.
About you
Please enter your first name.
Please enter your last name.
Please enter a valid email.
Your age
38 yrs
Target retirement / work-optional age
65 yrs
Your base income (pre-tax)
$145,000
Bonus, commissions & variable income (avg / year)
$0
Are you military or a veteran?
Which best describes your household?
Monthly budget
Roughly what do you spend a month?
A single ballpark is perfectly fine — a round number is all we need here. Want a sharper picture? Break it down by category instead.
Your children
Do you have children?
Pillar 1 · Protect

Protect what you've built

Before growth, we make sure a death, disability, or lawsuit can't derail the whole plan. If something happened tomorrow, your family's financial life shouldn't have to change.

What life insurance is in place today?
Select the type you carry (beyond any employer/SGLI basic coverage).
Total life insurance death benefit in force
Your best estimate across all policies. Slide to $0 if none.
$500,000
Human Life Value — what it would take to replace each earner's income
$3.9M
Your Human Life Value
$500K
Coverage in force
$3.4M
Protection gap (combined)
Based on 27 years of remaining income. This is a starting figure — we refine it together on your strategy call.
If your policy is term, is it convertible to permanent coverage?
Convertible term lets you lock in permanent coverage later without a new medical exam.
Disability income protection
If you couldn't work for two years, could you keep your lifestyle?
Liability protection — umbrella policy
The average U.S. lawsuit is ~$1M. An umbrella policy sits above your auto/home limits.
Estate & legacy protection — where are you?
A will still goes through probate (6–12 months, and anyone can challenge it). A funded trust avoids that.
Will and/or living trust
Powers of attorney (durable + medical) & up-to-date beneficiaries
If something happened tomorrow, could your spouse access every account & password?
Pillar 2 · Save

Build your reserves

Cash you control is what keeps you from being forced to sell investments at a loss in a bad year. This is the buffer that protects the compounding curve.

Months of expenses you have in accessible savings
Conventional advice is 3–6 months. We prefer a full year of breathing room.
4 months
06 (min)12 (target)24+
Roughly what % of your income are you saving?
10%
0%10%20%30%50%+
Your assets by type
Best estimates are fine. We flag which of these a creditor or lawsuit can reach — and which are protected.
Retirement & qualified accounts protected
401(k), TSP, IRA, Roth, 403(b), 457, SEP/SIMPLE — add one row per account. Balance and what you put in each year; note an employer match if you get one.
Estimated total assets $0
Guaranteed monthly income
Income that's contractually yours and keeps coming no matter what the markets do. Military pension and VA, if any, are counted automatically. Leave blank what doesn't apply.
Anticipated monthly cash flow from assets
Income your assets produce each month. This is real but variable — not guaranteed like a pension — and growing it is a core goal. Leave blank what doesn't apply.
Anticipated monthly cash flow $0
Your debts & liabilities
Fill in what applies. Balance is what matters most — the interest rate is optional, so don't hunt for it if you're not sure. This shows us what's draining cash flow and what to restructure first.
BalanceRate (optional)
Total non-mortgage debt $0
Your home
We calculate your equity automatically. Skip if you rent.
$0
Do you have a whole life policy you use as a personal banking system (IBC)?
Pillar 3 · Grow

Grow — without gambling the plan

Growth matters to outpace inflation. But the goal is to compound steadily and never be forced to de-risk at the worst moment. Here's where you are today.

Do you have a written investment strategy?
Target return, time horizon, risk level, and what you'll actually do in a down market.
Where do you sit on risk?
5 · Balanced
1 · Protect first10 · Maximum growth
If the market dropped 30% the year you retired, what's your plan?
What are your biggest concerns about growing your money? (pick any)
The Bigger Picture

Your money beliefs & goals

Numbers only tell half the story. How you think about money — and what you're building toward — shapes the whole strategy.

"I clearly understand how my money is working for me."
"I'd rather protect what I have than chase a higher return."
"When my income rises, my saving rises with it — not just my spending."
"I feel in control of my family's financial future."
What are you really building toward?
Rate how important each is to you — 1 (not a priority) to 5 (essential). This tells your advisor where to start.
1 = low  ·  5 = essential
Are you expecting an inheritance or windfall?
Even a rough sense helps us plan around it — no need to be exact.
Step 1 of 5
Your Results

Your Protect · Save · Grow Snapshot

Where the journey begins. Your full details are on the way to our team — we'll walk the map together.

Your numbers at a glance

—
Estimated net worth
—
Cash reserve runway
—
Life coverage vs. Human Life Value

Your top priorities

Your next best moves, in the order that protects and compounds the most — Protect, then Save, then Grow.

    Let's build your strategy

    You've done the hard part. On a 30-minute call we'll turn this snapshot into a clear, ordered plan — Protect, Save, then Grow.

    Schedule your strategy call
    This assessment is an educational tool, not financial, tax, or legal advice, and does not create an advisory relationship. Human Life Value and protection-gap figures are simplified estimates for discussion purposes only. Insurance and advisory suitability are determined individually.
    Progress saved