• I have emergency funds equal to 6 months income.
  • I save 15% or more of my gross income on an annual basis.
  • I have eliminated all consumer debt.
  • I have adequate property and casualty insurance.
  • I am comfortable with the current amount of taxes I am paying.
  • My estate plan is current and documented for both state and federal tax efficiency.
  • My life insurance and disability is for full replacement value of my income.
  • I have adequate retirement savings to provide a guaranteed secure retirement income.
  • I have a written investment policy statement that is aligned with my objectives and risk tolerance.
  • My current investment allocations are based upon the efficient frontier philosophy and methodology.
  • I know the amount of internal and external fees in my investment holdings.
  • I am happy with my overall investment performance and returns.

How many Yes’s did you have?

12 out of 12 = Excellent! Stay the course

11 out of 12 = Very good! Update where needed

10 out of 12 = Good. Time for a review and update

9 out of 12 (or less) Consider engaging another financial adviser and/or method on matters of finance.