Important: This tool is for educational purposes only and does not constitute financial, tax, or legal advice. Results are estimates based on the inputs provided. Consult a qualified professional about your specific circumstances.
Numbers are a starting point. Context is where the value is.
Calculators show one dimension of a multi-dimensional decision. A comprehensive financial plan connects the dots between tax strategy, investment management, insurance, estate planning, and the goals that matter to you.
In a Financial Triage session, we look at how your specific numbers fit into the full picture, so you can make decisions with confidence.
See if we're a fit →
Fee-Only Fiduciary
Frequently Asked Questions
What is a Financial Handicap score? +
The Financial Handicap Scorecard is a self-assessment that rates your confidence across key financial planning categories like tax efficiency, investment strategy, and retirement readiness. Like a golf handicap, a lower score indicates stronger financial health. It takes about 45 seconds and produces a personalized radar chart of your results.
What financial planning areas does the scorecard evaluate? +
Everyone rates two core areas: tax efficiency and investment strategy. Then, based on your life stage, you rate two additional categories. Early career adds debt strategy and savings rate. Mid-career adds retirement readiness and estate planning. Pre-retirees add income sequencing and Social Security and Medicare planning.
How is the Financial Handicap score calculated? +
You rate four financial dimensions on a scale of 1 to 9, where 1 means highly confident and 9 means significant uncertainty. The Financial Handicap Scorecard totals these ratings to produce a score from 4 to 36. Scores under 9 indicate strong financial positioning, while scores above 27 suggest substantial room for improvement.
What life stages does the financial scorecard cover? +
The scorecard adapts to four life stages: The Front 9 (early career, focused on debt and savings), The Back 9 (mid-career, focused on retirement and estate planning), The Clubhouse (near or in retirement, focused on income strategy), and Second Opinion (for those who already have an advisor and want a fresh perspective).
What should I do after getting my Financial Handicap results? +
Many people find it helpful to focus on the category where they scored highest (least confident), since addressing one weak area often creates a ripple effect across others. The scorecard highlights your biggest opportunity area and provides recommended resources tailored to your specific life stage and results.