The Method
First, we determine what you actually need.
Every financial position contains two categories: what is required, and what is not. We account for your obligations, anticipated expenses and prudent reserves. What remains is yours to carry—or ours to relieve.
Your assessment remains private.
Financial information entered here is used only to calculate your assessment. It is never shared or retained.
The progression
- I
Financial Position
Your current net worth and monthly take-home income.
- II
Monthly Obligations
The recurring costs required to maintain your circumstances.
- III
Available Liquidity
What remains after those obligations are met.
- IV
Known Expenses
Non-recurring expenditures you already anticipate.
- V
Contingency Reserve
An additional allowance for what you don't.
- VI
Excess Liquidity Burden
What remains when reasonable requirements have been accounted for.
The figures
- Net Worth
- Everything you own, less everything you owe.
- Monthly Net Income
- Your take-home income after taxes, deductions and withholding.
- Monthly Obligations
- Your regular housing, household, transportation, insurance, debt and other recurring expenses.
- Known Upcoming Expenses
- Significant non-recurring expenses you already expect.
- Available Liquidity
- What remains after your reported obligations and known expenses.
- Contingency Reserve
- A variable percentage retained for unforeseen expenses and changing circumstances.
We can help you determine what remains.
Provide a few basic financial figures and we'll establish your available liquidity, account for a prudent reserve, and identify any remaining burden.
The assessment is informational and based solely on figures you provide. It is not financial, tax, legal or investment advice.