Know your financial health score

Your overall financial health across five areas: cash flow, debt, savings, investments and protection.Covers cash flow and budgeting, debt management, emergency savings, retirement and investing and insurance and protection.

A year-end audit across seven domains, with a grade for each and a 12-month action plan ordered by impact.Covers tax efficiency, retirement savings, debt management, insurance and protection, estate planning, investment strategy and emergency preparedness.

How much you are overpaying in tax. Each missed opportunity is given a dollar value: 401(k), HSA, Roth IRA, capital gains timing and more.Covers retirement accounts, HSA and FSA, capital gains timing, deductions and credits and self-employed tax.

For salaried employees. Scores your withholding accuracy, pre-tax benefit elections and W-4 setup, with the dollar saving for each change.Covers withholding accuracy, 401(k) and IRA headroom, HSA and FSA elections, state tax awareness and W-4 recommendations.

Whether your 529 is on track for projected college costs. Scores savings rate, tax optimization and financial aid awareness, with a gap analysis.Covers 529 savings trajectory, state tax deductions, financial aid awareness, investment allocation and loan strategy.

Five dimensions of retirement readiness: savings rate, investment strategy, tax efficiency, planning depth and risk coverage.Covers savings rate and employer match, investment strategy and fees, Roth vs Traditional, retirement planning depth and risk and protection.

Your risk tolerance and investing temperament, matched to a model portfolio allocation with suggested fund types.Covers risk tolerance, time horizon, income stability, loss reaction and behavioral biases.

How well you could absorb a job loss, a medical emergency or a market crash. Includes a visa-holder scenario.Covers emergency fund depth, income replacement, health insurance quality, market shock readiness and visa holder resilience.

Whether you are ready to buy. Scores your credit profile, DTI, down payment, cash reserves and lender eligibility, with a verdict and next steps.Covers credit score, debt-to-income ratio, down payment, cash reserves and employment stability.

How established your US financial life is: credit building, tax setup, emergency savings, retirement accounts and long-term integration.Covers credit establishment, US tax compliance, emergency savings, retirement accounts and financial integration.

How protected your family and assets are: will, beneficiary designations, power of attorney, healthcare directive and life insurance.Covers will and testament, beneficiary designations, power of attorney, healthcare directive and life insurance coverage.