59 topics are not yet rated. Unrated topics count as "not addressed," so your score may read lower than reality. Your advisor very likely addressed some of these topics. If you're unsure, leave them blank and revisit them at your next meeting.
A lower score doesn't necessarily mean you received poor advice. It may simply mean a topic hasn't been discussed yet or that you don't recall it. Your advisor very likely addressed some of these topics. Bring the gaps below to your next meeting and ask about them. That's exactly what this report is for.
0.0
Advice Index / 100
Grade F: Deficient
0.0
Coverage score
17
Critical items missed
8
Areas scored
Your next conversation
- 01Planning processHow your advisor works with you, and whether anyone follows up.0.0
- 02Cash flow and debtWhat comes in, what goes out, and what it costs you to owe.0.0
- 03Insurance coverageWhat you are covered for, and for how much.0.0
Your score by area
Financial Planning Process & Professional Conductcapped at 50: critical item missed0.0
Cash Flow, Budgeting & Debt Managementcapped at 60: critical item missed0.0
Insurance & Risk Managementcapped at 50: critical item missed0.0
Investment Planningcapped at 50: critical item missed0.0
Tax Planningcapped at 70: critical item missed0.0
Retirement Planningcapped at 50: critical item missed0.0
Estate Planningcapped at 60: critical item missed0.0
Psychology of Financial Planning & Behavioral Finance0.0
Critical gaps
These are the basics. Advice in that area is not complete without them, so a missed one caps the area's score.
- Financial Planning Process & Professional Conduct: Goals with real dollar amounts and dates
- Financial Planning Process & Professional Conduct: Advice specific enough to act on
- Financial Planning Process & Professional Conduct: Every way the advisor gets paid, in the open
- Cash Flow, Budgeting & Debt Management: Where your money actually goes each month
- Cash Flow, Budgeting & Debt Management: A dollar amount to keep for emergencies
- Insurance & Risk Management: The big risks, listed for you specifically
- Insurance & Risk Management: The life insurance gap, in dollars
- Insurance & Risk Management: What happens to your income if you can’t work
- Investment Planning: How far your accounts could fall, in dollars
- Investment Planning: A mix you can explain, fit to your goals
- Investment Planning: Too much riding on one thing, checked
- Tax Planning: What pushes you into a higher tax bracket
- Retirement Planning: What retirement will actually cost you
- Retirement Planning: Whether your money will last, shown to you
- Retirement Planning: How much to save and where it goes
- Estate Planning: A will and the people who can act for you
- Estate Planning: Account forms that name the right people
Other topics not addressed
- Retirement Planning: Guaranteed income weighed with real numbers
- Retirement Planning: A plan tested against a long retirement
- Investment Planning: A written game plan for your investments
- Investment Planning: Which accounts hold which investments
- Investment Planning: One all-in number for what you pay each year
- Investment Planning: Results judged against a fair yardstick
- Investment Planning: Rules for keeping your mix on target
- Investment Planning: Near-term money kept out of the market
- Insurance & Risk Management: The most a bad health year could cost you
- Insurance & Risk Management: A plan for the cost of care later in life
- Insurance & Risk Management: Coverage that would actually rebuild what you have
- Insurance & Risk Management: Extra protection against lawsuits, sized to you
- Insurance & Risk Management: Every policy you pay for, reviewed
- Insurance & Risk Management: Premiums compared against other companies
- Tax Planning: A tax return someone actually read
- Tax Planning: Every deduction you’re entitled to
- Tax Planning: Investments managed with the tax bill in mind
- Tax Planning: Roth moves timed to your low-income years
- Tax Planning: Warnings before the hidden extra taxes
- Tax Planning: Big moves placed in the cheapest tax year
- Tax Planning: What your state takes, worked out
- Estate Planning: Ownership that matches who should get what
- Estate Planning: A trust recommended or ruled out, with reasons
- Estate Planning: A check of what would get stuck in court
- Estate Planning: A list of accounts your people could find
- Financial Planning Process & Professional Conduct: What the advisor will and won’t do
- Financial Planning Process & Professional Conduct: Your full financial picture, actually gathered
- Financial Planning Process & Professional Conduct: A projection of where your current path leads
- Financial Planning Process & Professional Conduct: A name and deadline on every step
- Financial Planning Process & Professional Conduct: A set rhythm for reviews
- Financial Planning Process & Professional Conduct: Your other professionals kept in the loop
- Financial Planning Process & Professional Conduct: Advice that doesn’t contradict itself
- Cash Flow, Budgeting & Debt Management: One list of what you own and owe
- Cash Flow, Budgeting & Debt Management: Every debt on one list, with rates
- Cash Flow, Budgeting & Debt Management: Which debt to pay down first
- Cash Flow, Budgeting & Debt Management: A monthly savings number you can hit
- Cash Flow, Budgeting & Debt Management: Your credit reports and scores checked
- Cash Flow, Budgeting & Debt Management: Big borrowing decisions run with real numbers
- Psychology of Financial Planning & Behavioral Finance: Your history with money, written down
- Psychology of Financial Planning & Behavioral Finance: A plan agreed before the market drops
- Psychology of Financial Planning & Behavioral Finance: Advice explained in words you can follow
- Psychology of Financial Planning & Behavioral Finance: Help paced to real life changes
Rate the topics you skipped
You have 59 topics you haven't rated yet. They currently count as not addressed, so completing them can raise your score, and it can never lower it.