How it works: Just like a physician diagnoses physical symptoms, this tool helps identify unfavorable financial symptoms. Check every symptom that applies to your current situation. Your results will reveal your "financial health score" and prescribe a treatment plan using the Insurance and Financial Review approach.
Section 1: Inadequate Protection Symptoms
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Protection Gaps
0 / 6 identified
Insufficient life insurance coverage Critical
Income replacement coverage is less than 10x annual income, or dependents would face financial hardship
No disability income protection Critical
No plan to replace income if unable to work due to illness or injury
Inadequate liability coverage Moderate
No umbrella policy, or liability limits below net worth exposure
Missing or outdated legal documents Moderate
No will, outdated trust, missing power of attorney or healthcare directive
High property insurance deductibles with low savings Moderate
Deductibles exceed available liquid savings -- one claim could cause a crisis
No long-term care strategy Early Warning
No plan for potential extended care needs (age 40+)
Section 2: Emotional & Behavioral Symptoms
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Financial Anxiety Indicators
0 / 7 identified
Anxiety about financial future Critical
Regular worry, sleep disruption, or stress related to money and financial security
Avoidance of financial conversations Critical
Postponing financial discussions with spouse/partner, ignoring statements, dreading reviews
Decision paralysis Moderate
Unable to make financial decisions due to fear of making wrong choice
Relationship strain over money Moderate
Arguments about spending, secret purchases, financial infidelity with partner
Feeling overwhelmed by complexity Moderate
Too many accounts, advisors, or products with no coordinated view
Comparison-driven spending Early Warning
Spending driven by what others have rather than personal goals and values
Guilt about past financial decisions Early Warning
Dwelling on missed opportunities, bad investments, or financial mistakes
Section 3: Financial Disorder Indicators
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Structural Financial Problems
0 / 7 identified
No emergency fund Critical
Less than 3 months of expenses in accessible savings
High-interest debt accumulation Critical
Growing credit card balances, payday loans, or other high-interest obligations
No coordinated financial plan Moderate
Products purchased piecemeal over time without a unified strategy
Unknown net worth Moderate
Cannot state approximate net worth or doesn't track it regularly
Cash flow blind spots Moderate
Don't know where money goes each month; no budget or tracking system
Outdated beneficiary designations Early Warning
Beneficiaries on policies or accounts haven't been reviewed in 3+ years
Tax strategy is purely reactive Early Warning
Only think about taxes at filing time; no proactive planning throughout the year