Defaults come from US household averages so you can talk numbers before they share theirs. As real numbers come in, just type over the highlighted fields — the whole house re-draws live.
Open the meeting on the dream — where they're heading and how much fuel they've got. Wealth Building Potential is the headline number that sets up the follow-up planning meeting.
Beginning-of-year compounding. Industry-average tax/debt/lifestyle inputs are placeholders — refine as the client shares actuals.
Roof bands light up green/yellow/red based on the worst gap in each band. Bottom protects assets (Auto, Home, Umbrella) · Middle adds income protection (Health, Supplemental, Disability, LTC) · Top adds life protection (Life Insurance + Legal Documents).
Left column = Assets (subdivided into UNPROTECTED — at-risk to creditors — and PROTECTED — covered by exemptions or insurance). Right column = Liabilities. Bottom row = Net Worth. The unprotected-vs-protected split is the conversation that drives the rest of the plan.
Targets pulled from the IFR Budget Builder calculator: Protection ≤15% (insurance 10% + healthcare 5%) · Savings ≥15% · Debt service ≤36% (classic 28/36 mortgage qualification rule) · Lifestyle ≤34% (the residual). Each box tints green / yellow / red based on actual vs target.
Print the house view, PDF the snapshot, or email it to the client (cc Nate automatic).