i About You

Let's start with you, and where you'd like your finished plan sent.

Client 1

Your children

Where you live

Financial Professional & timeline

Anything else?

★ Your Goals & Confidence

What matters most to you, tied to a milestone, plus how confident you feel today.

Goals & dreams check all that apply

Income goals

Your top goal

Your second goal

Your biggest concern

How confident are you today?

If everything stayed exactly the same, how confident are you that you'd reach your goal in the time frame you're looking for?

1 Financial Education Milestone 1

How you've learned about money, how you prefer to learn, and how you feel about your financial knowledge overall. Context only; it doesn't change your projections.

How would you describe your financial knowledge? choose one

Are you more of an analytical learner (engineer type) or a conceptual learner (artist type)?

5 Protection: Insurance Review Milestone 5

For each coverage, do you have it? If so, we'll capture your policies. Your life coverage totals up and feeds your DIME need automatically.

The DIME life-insurance need is calculated in the report, once income, mortgage, debt, and education are all captured.

The DIME Method is only one method to help determine a client's insurable need. However, an insurable need of more than 10 times the client's current income may not be accepted by WealthWave's affiliated broker-dealer unless special exceptions apply.

3 Emergency Fund Milestone 3

The money you'd reach for to cover short-term needs and surprises.

4 Debt Management Milestone 4

We look for three things: eliminating your debt faster, lowering your interest rates, and lowering your payments. Often all three, sometimes through a licensed mortgage partner or debt negotiation, sometimes as simply as consolidating or transferring through your own bank.

Before we look at the numbers

Your debt

The row typed "Mortgage" feeds the DIME need automatically; every other row is compared for Snowball vs Avalanche payoff. Leave a row blank if it doesn't apply.

2 Cash Flow Milestone 2

Managing expenses, increasing income, and becoming more tax-efficient (which can mean bringing in one of our CPA partners). The best place to start is knowing where your money goes each month.

Employment

Income sources

Add each income stream per person. Totals roll up automatically.

Expenses & savings

Comprehensive view: each category expands into line items that total automatically. Standard view: enter one number per category.

Tax & income efficiency

6 Build Wealth: Retirement Milestone 6

Where you are today, and the savings path we'll compare. Your target age and desired income come from the Goals section above.

Assets & net worth

List what you own: home, other property, vehicles owned outright, precious metals, business, and so on. Enter any loans in the Debt section; the Owed column here just shows equity.

Your accounts by tax treatment

For each group, do you have any of these accounts? If yes, we'll open a spot to list them.

Please note the following: Certain events and distributions may be subject to taxation and individuals would be responsible for the appropriate liability. This piece provides general information regarding the Internal Revenue Code and does not take into consideration specific state laws. Neither WealthWave, LLC nor its agents may provide tax or legal advice. Anyone to whom this material is promoted, marketed or recommended should consult with and rely on their own independent tax and legal professionals regarding their particular situation and the concepts presented herein.

How much are you saving now?

This is summed automatically from the monthly contributions and employer match on your Tax Later and Tax Never accounts above. A common starting target is at least 10% of gross household income; the recommended figure below shows that benchmark and how your current saving compares.

Retirement mindset

Retirement income sources

Monthly figures, in today's dollars. Leave blank if none.

7 Protect Wealth: Estate Milestone 7

Which of these do you already have in place?

→ The Changes to Illustrate

Here's what we'll model together for each milestone. Leave a field at 0 to make no change there. Your report shows the before and after for every step. This demonstrates outcomes; it does not recommend them.