◆ Complete Financial Analysis

Your Path to
Financial Freedom

IUL Strategy · Debt Elimination · Budget Optimization

👤Personal Profile

Let's start with the basics to tailor every recommendation.

🎯What Are Your Financial Goals?

Select all that apply — we'll build a personalized plan for each one.

💵Income

Annual gross figures for all income sources. Tax rate is estimated automatically — you can adjust it.

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$
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%
🏠Housing & Utilities

Monthly amounts.

🏡
Rent / Mortgage
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⚡
Electric / Gas
$
📱
Phone / Internet
$
💧
Water / Trash
$
🍽️Food & Dining

Monthly amounts.

🛒
Groceries
$
🍔
Eating Out
$
☕
Coffee / Drinks
$
🚗Transportation

Monthly amounts.

⛽
Gas / Fuel
$
🚘
Car Payment #1
$
🚙
Car Payment #2
$
🔧
Car Insurance
$
🛠️
Maintenance / Repairs
$
🚌
Transit / Parking
$
✈️
Travel (monthly avg)
$
🛡️Insurance & Health

Monthly amounts.

🏥
Health Insurance
$
💊
Medical / Dental
$
🏠
Home / Renters Ins.
$
🌿
Current Life Insurance Premium
$
🛡️Life Insurance Coverage

Do you have life insurance, and what type? We'll compare your options and recommend the best fit.

Side-by-Side Comparison
Feature Term Whole Life IUL ★
Coverage Duration Fixed (10–30 yrs) Lifetime Lifetime
Builds Cash Value ❌ ✅ Guaranteed ✅ Market-linked
Tax-Free Growth ❌ ✅ Limited ✅ Full
Tax-Free Retirement Income ❌ ⚠️ Limited ✅ Yes
Market Downside Protection N/A ✅ Yes ✅ 0% floor
Avg Growth Rate 0% 2–4% 5–9%
Typical Monthly Cost Lowest Highest Moderate
Best For Income replacement only Guaranteed, conservative Growth + protection
🎮Lifestyle & Subscriptions

Monthly amounts.

📺
Streaming / TV
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🎵
Other Subscriptions
$
🎯
Entertainment
$
👕
Clothing / Shopping
$
💪
Gym / Fitness
$
🎓
Education / Tuition
$
👶
Childcare
$
🐾
Pets
$
🎁
Gifts / Donations
$
➕
Other / Miscellaneous
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💰Current Savings

How much are you currently saving each month (outside of retirement contributions)?

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$
🏠Mortgage

If you own your home, enter your mortgage details. Leave blank if renting.

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%
$
$
🏦Second Mortgage / HELOC

Home equity loan or line of credit, if applicable. Leave blank if none.

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%
$
🚗Auto Loans

Enter each vehicle loan separately with its interest rate — auto loan rates vary widely and significantly impact payoff cost.

Vehicle
Balance
APR %
Mo. Payment
Months Left
💳Other Debts

Credit cards, personal loans, student loans, medical bills. The interest rate is critical for building your payoff plan.

🎯Extra Payoff Budget

Any additional monthly amount you could put toward debt beyond the minimums?

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💡 Even $50–$200 extra per month can cut years off your debt payoff timeline. We'll show you exactly how much.
🏦Current Assets

Estimated current values. Home equity is auto-calculated from your home value and mortgage balance entered in the Debts step.

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$
$
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🏛️Retirement Accounts

Add each retirement account — 401(k), IRA, 403(b), pension, etc.

🎯Retirement Income Details

Enter your expected income sources in retirement and projection assumptions. Your retirement age target is set in your Profile on Step 1.

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$
$
6.5%
3.0%

For educational and illustrative purposes only. Not financial, legal, or tax advice.
Consult a licensed financial professional before making any financial decisions.