17–20 · Intentionally diversified
Your assets appear to have distinct jobs. Continue reviewing them as markets, tax rules, income, and responsibilities change.
Ten questions. Six financial dimensions.
The Diversification Scorecard
Measure more than the number of accounts you own. Rate how well your assets differ across market exposure, taxation, liquidity, restrictions, protection, and legacy.
Score each statement: Clearly addressed = 2 · Partially addressed or uncertain = 1 · Not addressed = 0
1
My assets are spread across tools with meaningfully different risks—not simply several accounts exposed to the same market.
2
I know approximately how much of my net worth could decline during the same market event.
3
I maintain enough accessible liquidity for an interruption without immediately selling investments or tapping retirement funds.
4
I understand the taxes, additional taxes, surrender charges, loan interest, and plan restrictions that may apply before accessing each asset.
5
My retirement strategy is not dependent on one tax treatment, one employer plan, or one future tax assumption.
6
My real-estate exposure accounts for debt, vacancies, repairs, transaction costs, and the time required to access equity.
7
My protection strategy can help my family continue if illness, injury, or death interrupts my income.
8
I understand which assets are personally owned and portable when I change employers, businesses, or states.
9
My beneficiary designations, insurance, retirement accounts, business interests, and estate intentions are coordinated.
10
Every major asset I own has a defined job: growth, income, liquidity, protection, tax strategy, or legacy.
11–16 · Diversified on paper
You own multiple tools, but they may share more exposure, restrictions, or tax treatment than you realized.
0–10 · Concentrated or unclear
Your plan may depend too heavily on earning power, market performance, one tax category, or assets that are difficult to access.
Focus on the lowest answers
The purpose is not to force an IUL or any other product. It is to identify which financial job remains uncovered.
For educational purposes only. This material is not individualized tax, legal, accounting, or investment advice. Insurance products, riders, values, costs, and availability vary by carrier, policy, state, and individual eligibility. Policy loans and withdrawals reduce available cash value and death benefits and may create tax consequences if a policy lapses or is surrendered.