01 · Risk If illness, an accident, or a long-term-care need prevented you from working or materially increased family expenses, do you have a clear response plan that could sustain your household without disrupting retirement and other long-term goals?
02 · Risk If a home or auto accident, professional service, workplace dispute, or management decision led to a claim, do you understand how your income and personal assets could be affected and whether your current response arrangements are sufficient?
03 · Wealth Are your salary, bonus, deferred compensation, company stock, equity awards, and some retirement benefits highly dependent on the same employer—and could a company or share-price change affect your income, assets, and retirement plan at the same time?
04 · Wealth If company stock or equity awards represent too much of your wealth, do you have a deliberate, phased diversification plan that accounts for trading restrictions, capital gains, and tax costs?
05 · Wealth Could your cash reserves, taxable investments, and retirement accounts provide sufficient liquidity during a market decline or major unexpected expense without forcing the sale of long-term assets?
06 · Tax Have you mapped when deferred compensation, equity awards, pensions, Social Security, retirement-account withdrawals, and required minimum distributions may overlap and create unusually high taxable income after retirement?
07 · Tax Have you projected taxable income year by year before and after retirement to identify when tax pressure may be lower or higher, rather than assuming your rate will naturally decline?
08 · Tax Are investment changes, company-stock sales, Roth conversions, capital gains, charitable giving, and retirement withdrawals evaluated on one coordinated multi-year tax timeline?
09 · Legacy Are your will, trusts, powers of attorney, account ownership, and beneficiary designations current and aligned toward the same intended outcome?
10 · Legacy If you could not make decisions, would your family know who can act, where essential documents and account information are kept, and how to access funds for immediate needs?