17–20 · Coordinated
Your structure appears strong. Review it as income, responsibilities, benefits, and laws change.
The Love & Legacy framework
The Financial Control Checkup
Ten questions designed to reveal what you own, control, can access, and intend to leave. No account balances, documents, or private medical details required.
Score each statement: Clearly addressed = 2 · Partially addressed or uncertain = 1 · Not addressed = 0
1
If my income stopped, I know how long my household could maintain its current obligations.
2
My personal protection accounts for limitations or gaps in employer-provided benefits.
3
I maintain accessible liquidity outside retirement accounts and home equity.
4
I understand the taxes, penalties, interest, surrender charges, or restrictions that may apply when accessing each account or policy.
5
I know what benefits may be available after a qualifying chronic, critical, or terminal illness.
6
My family could address major debts and preserve important goals if I died unexpectedly.
7
My retirement assets are not all subject to the same tax treatment, market conditions, and access rules.
8
My beneficiary designations, insurance ownership, and estate documents are current and coordinated.
9
I know which benefits remain mine if I change employers, practices, territories, or employment status.
10
I have intentionally built resources that can support my family after I stop actively producing income.
11–16 · Incomplete
Several areas are addressed, but coordination, ownership, or clarity may be missing.
0–10 · Exposed
Your earning ability may be carrying more of the load than the structure supporting it.
Your lowest area matters most
A total score is useful. The unanswered question behind your lowest score is more useful.
Want the printable scorecard?
Keep the conversation personal.
Use this on-page Checkup to find your gaps. When you want the printable version and the questions behind your score, message Vincent directly—no account statements or private numbers needed.
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.